During the year 2025, the FHA loan limit established for Chesapeake-Beach county, which is located in Calvert, MD, is specified as $822,375 for a single-family home. If you are considering a duplex, the limit increases to $1,053,000, while triplexes have a designated limit of $1,272,750, and properties with four units reach a cap of $1,581,750. This scaling is designed to accommodate various housing needs within the region, ensuring appropriate financial support for different types of residential properties.
Conversely, the conventional loan limits are structured as follows: for a single-family residence, the maximum loan amount you can secure is $822,375. If you're eyeing a two-unit property, the cap is set at $1,053,000. For those interested in three-unit buildings, you can borrow up to $1,272,750, and if your interest lies in four-units, the limit extends to $1,581,750. These figures offer tiers of financial flexibility, helping homeowners and investors tailor their loans to meet the needs of diverse property investments.
Take advantage of our FHA calculator to explore current FHA rates that promise competitive financing. Additionally, it helps you map out the downpayment requirements, assess the necessary income levels, understand the credit rating needed, calculate for reserves, and compile the appropriate documents essential to qualify for such loans. This tool is designed to streamline the preliminary stages of your financial planning, making it simpler to navigate the intricate landscape of mortgage qualification, thereby saving you time and reducing the complexity typically involved in securing a mortgage.
Expand your horizons by comparing loan offers from a broad spectrum of 100 lenders, enhancing your chances of finding the most suitable financial match for your plans.
Empowered by the Lendersa® calculator, you can not only assess FHA rates and conditions but also weigh them alongside a vast array of other loan programs. These include not just the popular Conventional loans but also Jumbo loans for high-priced properties, VA loans for the nation’s veterans, USDA loans designated for rural properties, Non-QM loans that support complex financial backgrounds, and hard money loans that provide quick and flexible funding with less stringent approval criteria. This comprehensive comparison ensures a well-rounded perspective on the financial options that align with your purchasing goals.
Drawing on extensive loan program data gathered from a substantial network comprising thousands of lenders, Lendersa® performs rapid evaluations to fit data to your unique financial circumstances and requirements. The software's capability to instantly process and compare this vast array of data allows you to promptly identify and pursue the loan opportunities that align with your financial objectives and affordability, simplifying the ordinarily arduous task of loan selection.
For a detailed understanding, refer to the Loan Limits Comparison Table for 2025 in Chesapeake-Beach county, situated within Calvert, MD. This exhaustive table presents a comprehensive analysis, comparing maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan categories. By using this resource, alongside other innovative tools like the Lendersa® Super Loan Integrated Qualifier (SLIQ™), individuals can meticulously assess and compare the qualification requirements, including income levels, reserve amounts, and credit score prerequisites, thus gaining insightful clarity and precision in selecting the most beneficial financial path forward for homeownership.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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