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.

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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


  • Guild Mortgage Company
  • 7124 Commons Drive, Unit 3, Cheyenne, WY, 82009
  • Guild Mortgage has become one of the nation’s leading independent ‭mortgage providers by following a ‭simple rule—doing what’s right for our customers. When you choose Guild, you get: - A commitment closing your loan on time - A wide array of ‭specialized products and programs for every type of homebuyer
  • Caprock Federal Credit Union
  • 709 North First Street, Lamesa, TX, 79331
  • Caprock Federal Credit Union has been open since 1965. The credit union has assets totaling $38.06 Million and provides banking services to more than 4, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state,
  • Northern Colorado Credit Union
  • 2901 S. 27th Avenue, Greeley, CO, 80631
  • Since 1935, our mission at NCCU has been to provide members with friendly service and affordable financial products so they can reach their financial goals. More than 84 years later, we proudly provide membership to everyone living and working in Weld and Larimer County communities.
  • Cheyenne State Bank
  • 101 West 19th Street, Cheyenne, WY, 82001
  • Cheyenne State Bank is your full service and locally owned bank located in the heart of downtown Cheyenne, Wyo. To us you are more than a number, we offer personalize service and convenience. Our friendly and professional staff members look forward to serving your banking needs. Cheyenne State Bank Established in 2002.
  • Blue Federal Credit Union - 7th Avenue
  • 2401 E Pershing Blvd, Cheyenne, WY, 82001
  • In April 2016, Warren Federal Credit Union and Community Financial Credit Union merged to become Blue Federal Credit Union. Blue Federal Credit Union represents our shared history in the region and more than 100 years of service to those who serve the public good in Colorado and Wyoming, including members of the Air Force
  • Central Bank and Trust
  • 3060 East Lincolnway, Cheyenne, WY, 82001
  • We started in Lander in 1890, the same year Wyoming became a state. We like to think our founders came across what was then the territories of Wyoming, and found the people and the scenery too hard to abandon. Our Wyoming values and passion for developing Wyoming communities drives everything we do.
  • Opportunity Business Loans
  • 2304 E Lincolnway, Suite 154, Cheyenne, WY, 82001
  • We have a network of thousands of lenders who are all ready to lend the money you need. This network allows us to find the best deal for you based on you and your business's individual needs. Our personal financial advisors will work with you through each step of our online business loan process.
  • My-Mortgage 101
  • 1712 Pioneer Ave, Suite 333, Cheyenne, WY, 82001
  • Home Refinance Options for your mortgage are designed to offer you a better interest rate or loan term than you have on your current mortgage loan. The benefit of lower interest rates is pretty obvious, but the change in your loan term can mean either a shorter or longer repayment period.
  • FinLend, LLC
  • 1603 Capitol Avenue, Suite 310 A660, Cheyenne, WY, 82001
  • FINLEND Capital® is a nationwide, private direct lender. Established in 2019, we provide short-term fix & flip financing and long-term rental financing for real estate investors. Our loans can be used for the purchase or refinance of non-owner occupied residential & commercial properties, financing of renovation project, and bridge funding. FINLEND