In 2026, the FHA loan limits for Ferndale, within the county of Anne Arundel, MD, are as follows: $632,500 for a single-family home, $809,700 for two units, $978,750 for three units, and $1,216,350 for four units.
For conventional loans, the maximum amount set for a single-family residence is $726,200, moving to $929,850 for properties with two units, $1,123,900 for three units, and $1,396,800 for four-unit buildings.
Use our FHA calculator to find today’s optimal FHA rates and make calculations on the downpayment, necessary income, credit standing, reserves, and essential documents for qualification purposes.
With the Lendersa® calculator, you can compare FHA loan rates and terms with those of various other programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This enables a thorough evaluation across different options.
Lendersa® aggregates comprehensive data from thousands of lenders, comparing it quickly against your personalized financial situation and needs.
The Loan Limits Comparison Table for 2026 in Ferndale, in the county of Anne Arundel, MD, enables a side-by-side comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Additionally, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to understand qualification necessities like 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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