For 2026, the FHA loan limits within Smithsburg County, under Washington, MD, are defined as $472,030 for a single-family home. For two-unit residences, the limit is set at $604,400; if the property has three units, the cap is $730,525; and for four-unit homes, it reaches $907,900.
The maximum amount for conventional loans on a single-family home is $726,200. This limit rises to $929,850 for properties with two units, $1,123,900 for those with three units, and $1,396,800 for four-unit properties.
Our FHA calculator can guide you through examining today’s best FHA rates and help determine the down payment, income, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator is an effective tool for comparing FHA rates and terms against those from other loan programs. These include options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, helping you explore and choose the best options for your financial situation.
Lendersa® compiles detailed data from thousands of lenders, allowing it to quickly align these offers with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Smithsburg County, MD, highlights maximum loan amounts across various categories, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate specific qualification criteria, such as income, reserves, and credit standing, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comprehensive assessment and insights.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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