2026 loan limits in Northampton County, North Carolina
In Northampton County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Northampton County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Northampton County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Northampton County?
$541,287 for a one-unit home.
More for Northampton County
Northampton County property taxesFHA loan limits toolNorth Carolina closing costsConway 27820 market dataGarysburg 27831 market dataGaston 27832 market dataHenrico 27842 market dataJackson 27845 market dataPleasant Hill 27866 market dataRich Square 27869 market dataSeaboard 27876 market dataSevern 27877 market dataWoodland 27897 market data
2026 limits from HUD’s county files (Roanoke Rapids, Nc). Conforming limits are set by the Federal Housing Finance Agency.