For 2026, 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 2026 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 |
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