Explore the differences! FHA VS Conventional loan programs in Baltimore, Baltimore County, Maryland

In 2025, the Conventional loan limit for Baltimore in Baltimore county, MD, is set at $726,200, whereas the FHA limit for a single-family home is $632,500.

Take advantage of the Lendersa® Conventional loan calculator to compare the most favorable rates available today for Conventional, FHA, and USDA loans. Assess the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to place the Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in determining the best program to suit your financial needs in MD.

Evaluate loan offers from over 100 lenders

Loan Limits and Downpayment Requirements for 2025 in Baltimore, Baltimore county, MD

Type of Loan Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $466,400 0%
FHA $632,500 3.5%

The above table is applicable for zip codes: 21218, 21211, 21210, 21213, 21212, 21215, 21214, 21217, 21216, 21231, 21230, 21239, 21251, 21209, 21202, 21206, 21207, 21205, 21226, 21201, 21223, 21224, 21225, 21229, 21203, 21233, 21263, 21264, 21270, 21273, 21275, 21278, 21279, 21281, 21287, 21290, 21297, 21298

Explore Conventional and FHA Loan Options in Baltimore, MD

At Lendersa®, the mission is to secure the best possible Conventional, USDA, or FHA loan promptly and without unnecessary hurdles. Start by selecting one of three initial options to align with the right lenders and loan programs.

USDA loan request and results at Lendersa


  • Mlend
  • 8803 Baltimore National Pike, Middletown, MD, 21769
  • "Mlend has built a strong reputation as an outstanding mortgage firm offering ""Home Loans Made Fast & Easy""​ to homebuyers throughout the mid-atlantic region. We're a full service mortgage lender with dedicated mortgage consultants and an experienced in house support team offering expertise in every area of mortgage financing.
  • Apple Federal Credit Union
  • 4097 Monument Corner Drive, Fairfax, VA, 22030
  • Apple FCU offers everything you’d expect from a financial institution, but it’s our personalized service that truly reflects the Apple difference that transforms banking from a chore into an experience. We’re grateful for every member who chooses to be a part of the Apple family.
  • Mainstreet Bank
  • 10089 Fairfax Blvd, Fairfax, VA, 22030
  • MainStreet Bank, Member FDIC, is a community bank headquartered in Fairfax, Virginia and serving the Washington, DC metropolitan area. MainStreet has 55, 000 free ATMs across the United States and in Canada, Mexico and the UK. With a robust and easy-to-use online business banking technology, MainStreet has “put our bank
  • First Mortgage Group, Inc.
  • 10807 Fieldwood Drive, Fairfax, VA, 22030
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Nucasa Mortgage
  • 4097 Monument Corner Drive, 6th Floor, Fairfax, VA, 22030
  • Nucasa Mortage is a modern mortgage lender. We provide people a better path to home through our simple, fast, and reliable mortgage lending experience. Whether you're a first-time homebuyer, an experienced investor, or you're simply looking to refinance the home you already love; you can rest easy knowing you're in good hands as we guide you
  • George Mason Mortgage, LLC
  • 4100 Monument Corner Drive, Suite 100, Fairfax, VA, 22030
  • Our foundation is built on the goal of helping families in our communities develop financial wealth and independence through homeownership. We serve both our clients and business associates with the products, technology and experience to provide the best solutions for your unique financial story.
  • Capital Mortgage Group, Inc.
  • 12916 Swedes St, Fairfax, VA, 22030
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Atlantic Coast Mortgage
  • 4097 Monument Corner Drive, 6th Floor, Fairfax, VA, 22030
  • ACM is known for offering a better solution for homebuyers through our simple, easy, & stress-free process. We do this by offering a proprietary blend of technologies, systems, & processes. We not only help our clients close on time; we also provide them with free tools & information to continue guiding and helping them make smart decisions around.
  • Home Savings & Trust Mortgage
  • 3701 Pender Dr , STE 150, Fairfax, VA, 22030
  • We strive to fulfill the dream of home ownership, build lasting client relationships, and create value that stands the test of time. At Home Savings & Trust Mortgage (HSTM), we combine a positive approach with market knowledge and mortgage expertise to ensure homeowners maximize their 'home equity'