The Federal Housing Administration has announced the FHA loan size limits for 2019 in all areas of each state.  The most popular level is for single family residences.  Most of the NC FHA loan size limits increased to $314,827.  But there are several NC counties which have higher FHA loan size limits.  These high balance NC counties helps more buyers afford a home with a 3.5% down payment.

FHA loans are known for flexible guidelines, affordable monthly payments, and low cash to close.  These advantages make it easier to buy a home with a low down payment.  Many unknown, but valuable features include:

1. Gift, down payment assistance, and other flexible down payment sources
2. 55% or even higher debt ratios allowed
3. Non-occupying coborrowers
4. As low as 600 credit scores
5. Previous foreclosure, bankruptcy, or short sale allowed
6. 1 year commission income often ok
7. Seller paid costs up to 6% of sales price
8. Low down payment condo loans
9. Manufactured homes and modular home financing
10. Renovation loans for home improvements

So if using an FHA loan, check out these limits.  Then compare your approximate loan amount with the corresponding FHA loan size limits.

Standard 2019 NC FHA Loan Size Limits:

• One-Family Homes = $314,827
• Two -Family Homes = $403,125
• Three-Family Homes = $487,250
• Four-Family Homes = $605,525

NC FHA Loan Size Limits – Higher Limit NC Counties

NC County	One Unit	Two Unit	Three Unit	Four Unit
Cabarrus	$317,400	$406,300	$491,150	$610,400
Camden	$726,525	$930,300	$1,124,475	$1,397,400
Chatham	$403,650	$516,750	$624,600	$776,250
Currituck	$458,850	$587,400	$710,050	$882,400
Dare	$391,000	$500,550	$605,050	$751,900
Durham	$403,650	$516,750	$624,600	$776,250
Franklin	$339,250	$434,300	$524,950	$652,400
Gaston	$317,400	$406,300	$491,150	$610,400
Gates	$458,850	$587,400	$710,050	$882,400
Hyde	$483,000	$618,300	$747,400	$928,850
Iredell	$317,400	$406,300	$491,150	$610,400

To look up FHA loan limits in any area in the U.S., click on this link

FHA Lender in the following counties: 

Alamance,  Alexander,  Alleghany,  Anson,  Ashe,  Avery,  Beaufort,  Bertie,  Bladen,  Brunswick, Buncombe, Burke, Cabarrus, Caldwell,  Camden,  Carteret,  Caswell,  Catawba,  Chatham,  Cherokee,  Chowan,  Clay,  Cleveland,  Columbus,  Craven, Cumberland,  Currituck,  Dare,  Davidson,  Davie,  Duplin,  Durham,  Edgecombe,  Forsyth,  Franklin,  Gaston,  Gates, Graham,  Granville,  Greene,  Guilford,  Halifax,  Harnett,  Haywood,  Henderson,  Hertford, Hoke,  Hyde,  Iredell, Jackson,  Johnston,  Jones,  Lee,  Lenoir,  Lincoln,  McDowell,  Macon,  Madison,  Martin,  Mecklenburg,  Mitchell, Montgomery,  Moore,  Nash,  New Hanover,  Northampton,  Onslow,  Orange,  Pamlico,  Pasquotank,  Pender, Perquimans,  Person,  Pitt,  Polk,  Randolph,  Richmond,  Robeson,  Rockingham,  Rowan,  Rutherford,  Sampson, Scotland,  Stanly,  Stokes,  Surry,  Swain,  Transylvania,  Tyrrell,  Union,  Vance,  Wake,  Warren,  Washington, Watauga,  Wayne,  Wilkes,  Wilson,  Yadkin,  Yancey