In 2026, the Conventional loan cap for Ocean-City, situated in Worcester county, MD, is $647,200. For a single-family home, the FHA loan limit is set at $420,680.
Utilize the Lendersa® Conventional loan calculator to compare the top current rates for Conventional, FHA, and USDA loans, and evaluate the income, credit, reserves, and documentation needed for qualification. The advanced mortgage calculator offers a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA options, providing assistance in choosing the best program for your needs in MD.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $647,200 | 3% |
| USDA | $285,000 | 0% |
| FHA | $420,680 | 3.5% |
This table applies to the zip codes: 21842
At Lendersa®, our goal is to secure the optimal Conventional, USDA, or FHA loan for you quickly and effortlessly. Start from one of three available points to match with lenders and suitable programs.
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