In 2025, the FHA loan limits for Owings-Mills county, located within Baltimore, MD, are $538,200 for a single-family home. For homes with 2-units, it's $689,000, for those with 3-units, it is $832,850, and for 4-units, it extends to $1,035,000.
For conventional loans, the highest amount for a single-family residence is $548,250. The cap for 2-units is $702,000, for 3-unit dwellings it's $848,500, and for 4-units, the limit is $1,054,500.
Use our FHA calculator to find today’s most advantageous FHA rates and figure out the necessary downpayment, alongside checking income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator enables comparisons of FHA rates and terms versus other loan programs. Review possibilities like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® efficiently compiles loan data from thousands of lenders, providing swift analyses tailored to your unique financial situation.
The Loan Limits Comparison Table for 2025 in Owings-Mills county, under Baltimore, MD, aids in comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess criteria like income, reserves, and credit.
| 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
