For 2026, the FHA loan limit in Essex county, within Baltimore, MD, is $632,500 for a single-family home. This expands to $809,700 for 2-unit properties, $978,750 for 3-unit dwellings, and $1,216,350 for 4-unit residences.
The maximum amounts for conventional loans on a single-family residence are $726,200. Two-unit homes reach $929,850, three-unit properties are limited to $1,123,900, and for homes with four units, the ceiling is $1,396,800.
Use our FHA calculator to view today’s top FHA rates, and calculate downpayment requirements, assess income, credit, reserves, and necessary documents for qualification.
Lendersa® calculator allows for comparison of FHA rates and terms with those of other loan programs. Explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA possibilities.
Lendersa® aggregates financial program data from a wide array of lenders, offering quick analysis against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Essex county of Baltimore, MD, facilitates comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan thresholds. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs for income, reserves, and credit.
| 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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