In 2026, the FHA loan limit for Lutherville county of Baltimore, MD is $632,500 for a single-family home. For properties with 2-units, it is $809,700; for 3-units, the limit becomes $978,750; and he maximum for 4-units is $1,216,350.
The maximum loan amounts for conventional loans on a single-family residence start at $726,200, rising to $929,850 for 2-unit homes, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Utilize our FHA calculator today to explore competitive FHA rates and determine needed downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms across a variety of loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently pulls data from thousands of lenders, matching it quickly to your personal financial needs and profile.
See the Loan Limits Comparison Table for 2026 in Lutherville county of Baltimore, MD, to review maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification elements 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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