A Quick 2026 Update That Could Expand Your Options in the Triad

If buying a home in the Triad or surrounding area is on your 2026 to-do list, here’s an important update to know early.


Loan limits are officially higher for 2026. It sounds technical, but it can affect how much home you can finance and which loan options may fit your needs, especially if you’re shopping in a higher price range.


Here’s the simple breakdown.


Conventional Loans: Up to $832,750 in Many Areas


For many counties, the 2026 conforming (conventional) loan limit is now up to $832,750. If your budget is near last year’s ceiling, this update may help you:


  • Avoid jumbo financing
  • Qualify under more flexible guidelines
  • Use a lower down payment than you might expect


Bottom line: depending on where you’re buying, you may not need to move into a jumbo loan as quickly as you would have last year.


FHA Loans: $541,287 in Most Areas


For most areas, the 2026 FHA loan limit is $541,287, with higher limits available in select counties. FHA can be a strong option if you’re looking for:


  • A low down payment (starting at 3.5%)
  • More flexible credit guidelines
  • The ability to use gift funds


If you assumed FHA wouldn’t work because of loan limits, this update may give you a little more breathing room.


VA Loans: Up to $832,750 in Most Areas


For eligible VA borrowers, limits are also higher in 2026. In most areas, that means up to $832,750, higher limits may be available in certain markets. That can mean:


  • More buying power
  • No down payment required (for qualified borrowers)
  • Competitive rates and flexible guidelines


If you’re a Veteran or active-duty service member in the Triad and haven’t revisited your numbers recently, this is a great reason to.


Why This Matters


Many homebuyers are still working off last year’s numbers. With the new limits in place, you may have more flexibility than you think as you start your search.


These new limits are helpful, but the real question is how they apply to your plans. If you want clarity before you start touring homes, the Sharpe Mortgage Team can walk through your options and make sure you’re working with the right numbers.


Ready when you are. Call (336) 575-9448 to get started!

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