What are FHA Loan Limits in Maryland?

FHA loans are a low down payment mortgage program and Maryland FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Maryland are set at the floor amount of $275,665 across much of the state.

Maryland FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ALLEGANYCUMBERLAND, MD-WV$275,665$352,950$426,625$530,150
ANNE ARUNDELBALTIMORE-COLUMBIA-TOWSON, MD$517,500$662,500$800,800$995,200
BALTIMOREBALTIMORE-COLUMBIA-TOWSON, MD$517,500$662,500$800,800$995,200
BALTIMORE CITYBALTIMORE-COLUMBIA-TOWSON, MD$517,500$662,500$800,800$995,200
CALVERTWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
CAROLINENON-METRO$275,665$352,950$426,625$530,150
CARROLLBALTIMORE-COLUMBIA-TOWSON, MD$517,500$662,500$800,800$995,200
CECILPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D$379,500$485,800$587,250$729,800
CHARLESWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
DORCHESTERCAMBRIDGE, MD$275,665$352,950$426,625$530,150
FREDERICKWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
GARRETTNON-METRO$275,665$352,950$426,625$530,150
HARFORDBALTIMORE-COLUMBIA-TOWSON, MD$517,500$662,500$800,800$995,200
HOWARDBALTIMORE-COLUMBIA-TOWSON, MD$517,500$662,500$800,800$995,200
KENTNON-METRO$290,950$372,450$450,200$559,500
MONTGOMERYWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
PRINCE GEORGE'SWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
QUEEN ANNE'SBALTIMORE-COLUMBIA-TOWSON, MD$517,500$662,500$800,800$995,200
SOMERSETSALISBURY, MD-DE$316,250$404,850$489,350$608,150
ST. MARY'SCALIFORNIA-LEXINGTON PARK, MD$347,300$444,600$537,400$667,900
TALBOTEASTON, MD$382,950$490,250$592,600$736,450
WASHINGTONHAGERSTOWN-MARTINSBURG, MD-WV$275,665$352,950$426,625$530,150
WICOMICOSALISBURY, MD-DE$316,250$404,850$489,350$608,150
WORCESTERSALISBURY, MD-DE$316,250$404,850$489,350$608,150

Maryland FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Maryland FHA Limits Set?

Maryland FHA Loan LimitsMortgage limits for Maryland FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

MD FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in MD is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in MD is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Maryland FHA mortgage limits set above $271,050 include areas surrounding Baltimore, Frederick, Rockville, Gaithersburg, Hagerstown, Bowie, College Park, Annapolis and more.  You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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