As of 2026, the FHA loan limits in Towson county, part of Baltimore, MD, are as follows: $632,500 for single-family homes, $809,700 for 2-unit properties, $978,750 for 3-units, and $1,216,350 for residences with 4-units.
The maximum permissible loan amount for conventional loans on a single-family residence is $726,200. For homes with 2-units, it is $929,850, increasing to $1,123,900 for 3-unit homes, and $1,396,800 for 4-unit dwellings.
Make use of our FHA calculator to find today’s prime FHA rates, assess required downpayment, and determine necessary income, credit, reserves, and documentation for qualification purposes.
The Lendersa® calculator facilitates comparing FHA rates and terms with those of other loan programs. Consider options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® accesses loan program data from numerous lenders and quickly matches it to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Towson county, located in Baltimore, MD, supports evaluating FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification criteria like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $632,500 | $809,700 | $978,750 | $1,216,350 |
| 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 | $466,400 | $466,400 | $466,400 | $466,400 |
| 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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