For the year 2026, FHA loan limits in Baltimore county of Baltimore, MD are $632,500 for a single-family residence. For dwellings with 2-units, the limit is $809,700, for 3-units, it increases to $978,750, and for 4-units, it reaches $1,216,350.
The conventional loan caps for single-family homes allow $726,200. For two-unit properties, the limit is $929,850, for three units, it stands at $1,123,900, and for four-unit residences, it extends to $1,396,800.
You can use our FHA calculator to identify today’s best FHA rates, calculate necessary downpayments, and review the income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator allows for comparison of FHA rates and terms with those of other loan programs. You can explore options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA offers.
Lendersa® gathers extensive loan program data from a wide range of lenders and swiftly aligns it with your financial profile and requirements.
In 2026, the Loan Limits Comparison Table for Baltimore county, within Baltimore, MD, enables comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification criteria such as income, reserves, and credit standards.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $632,500 | $809,700 | $978,750 | $1,216,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $466,400 | $466,400 | $466,400 | $466,400 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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