In 2026, FHA loan limits for Cumberland county, part of Allegany, MD, include $472,030 for a single-family home. The limit for 2-units is $604,400, for 3-units it's $730,525, and for 4-units it goes up to $907,900.
The maximum conventional loan for a single-family residence is $726,200. For 2-unit homes, it’s $929,850, for 3-units it reaches $1,123,900, and for 4-units, the amount is $1,396,800.
Use our FHA calculator to check today’s best FHA rates and compute the downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with other loan programs, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® collects data from thousands of lenders, quickly matching it to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cumberland county within Allegany, MD, provides insight into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs like income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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