USDA Guaranteed Loans are the most popular rural development mortgage program in Maryland.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Maryland USDA income limits playing a major role.  Guaranteed Loan income limits across MD are listed below.

Maryland USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Baltimore-Columbia-Towson, MD MSA$96,150$126,900
California-Lexington Park, MD MSA$96,150$126,900
Caroline County, MD$96,150$126,900
Cumberland, MD-WV MSA$96,150$126,900
Dorchester County, MD$96,150$126,900
Garrett County, MD$96,150$126,900
Hagerstown, MD HUD Metro FMR Area$96,150$126,900
Kent County, MD$96,150$126,900
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA$93,750$123,750
Salisbury, MD HUD Metro FMR Area$96,150$126,900
Somerset County, MD HUD Metro FMR Area$96,150$126,900
Talbot County, MD$96,150$126,900
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area$101,000$133,300
Worcester County, MD HUD Metro FMR Area$96,150$126,900
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