For 2025, the FHA loan limits in Ellicott-City county, which is a part of Howard, MD, are set at $538,200 for a single-family home. For residences with 2-units, it's $689,000, for properties containing 3-units, the limit is $832,850, and for 4-unit homes, the cap is $1,035,000.
Regarding conventional loans, the maximum amount you can borrow for a single-family residence is $548,250. For two-unit properties, it's $702,000, for three units, you can borrow up to $848,500, and for four units, the limit is $1,054,500.
Our FHA calculator helps you find today’s best FHA rates, determining necessary downpayment and evaluating income, credit, reserves, and documentation required for eligibility.
Use the Lendersa® calculator to compare FHA rates and terms with those of other loan programs. It allows you to explore variety across Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, juxtaposed with FHA terms.
Lendersa® captures extensive loan data from thousands of lenders, quickly aligning comparisons with your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Ellicott-City county, under Howard, MD, enables evaluation of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Leverage Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements, including income, reserves, and credit standings.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $538,200 | $689,000 | $832,850 | $1,035,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $430,500 | $430,500 | $430,500 | $430,500 |
| 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
