In 2026, the FHA loan limit in Middle-River county, which is part of Baltimore, MD, is designated as $538,200 for a single-family home. For two units, it's $689,000; three units are capped at $832,850, and four units have a limit of $1,035,000.
Conventional loan maximums for a single-family residence are $548,250, with limits of $702,000 for two-unit properties, $848,500 for three-unit homes, and $1,054,500 for four-unit buildings.
Leverage our FHA calculator to find today's top FHA rates and understand the requirements for downpayment, income, credit, reserves, and documentation necessary for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Compiling data from thousands of lenders, Lendersa® efficiently aligns loan offerings with your specific financial needs and profile.
Utilize the Loan Limits Comparison Table for 2026 in Middle-River county, part of Baltimore, MD, to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification requirements such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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