In 2026, 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 2026 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 |
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