2026 loan limits in Pitt County, North Carolina
In Pitt 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 Pitt 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 Pitt County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Pitt County?
$541,287 for a one-unit home.
More for Pitt County
Pitt County property taxesFHA loan limits toolNorth Carolina closing costsAyden 28513 market dataBethel 27812 market dataFarmville 27828 market dataFountain 27829 market dataGreenville 27834 market dataGreenville 27858 market dataGrifton 28530 market dataGrimesland 27837 market dataStokes 27884 market dataWinterville 28590 market data
2026 limits from HUD’s county files (Greenville, Nc). Conforming limits are set by the Federal Housing Finance Agency.