In the year 2026, the FHA loan limits for California county of St. Mary's, MD are defined as $356,362 for a single-family home, $456,275 for two-unit residences, $551,500 for three units, and $685,400 for four-unit properties.
The conventional loan maximum for a single-family home is $548,250, for duplexes it's $702,000, for triplexes $848,500, and for four-unit homes $1,054,500.
Use our FHA calculator to access today’s best available FHA rates and to ascertain what is required in terms of downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator allows for the comparison of FHA loan rates and conditions with those of other loan programs. You can explore and compare options for Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA rates.
Lendersa® efficiently compiles and analyzes loan program information from thousands of lenders to match it accurately against your financial profile and needs in record time.
For 2026 in California county of St. Mary's, MD, the Loan Limits Comparison Table includes FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for details on qualification requirements such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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