In 2026, the FHA loan limit in Columbia county, located in Howard, MD, is $632,500 for a single-family home, $809,700 for properties with 2-units, $978,750 for 3-unit homes, and reaches $1,216,350 for homes with 4-units.
The maximum loan amount available for conventional loans on a single-family residence is $726,200. For properties holding 2-units, the limit is $929,850, for those with 3-units it's $1,123,900, and for 4-units, the limit goes to $1,396,800.
Use our FHA calculator to discover today’s most competitive FHA rates and calculate the required downpayment. It also helps determine the necessary income, credit status, reserve funds, and documentation for qualification.
The Lendersa® calculator is your tool for comparing FHA rates and terms alongside terms from other loan programs. Dive into options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, compared with FHA offerings.
Lendersa® aggregates extensive loan program data from thousands of lenders, performing quick comparisons against your tailor-made financial profile and needs.
The Loan Limits Comparison Table for 2026 in Columbia county, part of Howard, MD, allows comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limit amounts. To evaluate qualifications such as income, reserves, and credit more efficiently, rely on Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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