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$108,550$143,300
California-Lexington Park, MD MSA$108,550$143,300
Caroline County, MD$97,600$128,850
Cumberland, MD-WV MSA$97,600$128,850
Dorchester County, MD$97,600$128,850
Garrett County, MD$97,600$128,850
Hagerstown, MD HUD Metro FMR Area$97,600$128,850
Kent County, MD$97,600$128,850
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA$103,650$136,800
Salisbury, MD HUD Metro FMR Area$97,600$128,850
Somerset County, MD HUD Metro FMR Area$97,600$128,850
Talbot County, MD$97,600$128,850
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area$111,550$147,250
Worcester County, MD HUD Metro FMR Area$97,600$128,850
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