In 2026, the FHA loan limits for St.-James County in Washington, MD are set as follows: $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-unit properties, and $685,400 for 4-units.
Conventional loan limits are $548,250 for a single-family home, $702,000 for 2-unit properties, $848,500 for those with 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to find today's top FHA rates and ascertain the required down payment, income, credit score, reserves, and documentation to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms against those of other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from a vast number of lenders, quickly aligning it with your specific financial profile and requirements to deliver suitable options.
For 2026, the Loan Limits Comparison Table in St.-James County, MD, allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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