In the year 2026, the FHA loan limits for La-Plata county in Charles, MD, are as follows: for a single-family home, the limit is set at $822,375, for a duplex or 2-unit home, it's $1,053,000, for 3-unit properties, the ceiling is $1,272,750, and for 4-unit homes, it goes up to $1,581,750.
As for conventional loans, the upper limit for a single-family residence stands at $822,375. For 2-unit residences, it changes to $1,053,000, for 3-unit properties it's $1,272,750, and for 4-unit homes, the maximum amount is $1,581,750.
Utilize our FHA calculator to access today's competitive FHA rate offerings and ascertain necessary down payments, income, credit score requirements, reserves, as well as essential documentation for qualification.
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Look over the Loan Limits Comparison Table for 2026 in La-Plata county of Charles, MD, and scrutinize maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For in-depth comparisons of qualification requirements, including income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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