In 2026, the FHA loan limits for Waldorf county, located within Charles, MD, are set at $1,089,300 for a single-family home. For properties that have 2-units, the ceiling is $1,394,775, increasing to $1,685,850 for dwellings with 3-units, and reaching $2,095,200 for 4-units.
The maximum borrowing amount for conventional loans on a single-family residence stands at $1,089,300. In terms of two-unit homes, the limit is $1,394,775, extending to $1,685,850 for three-unit residences, and for four-unit buildings, the maximum is $2,095,200.
Our FHA calculator allows you to check today’s top FHA rates and deduce the required downpayment, alongside determining income requirements, creditworthiness, reserves, and necessary documentation to qualify.
The Lendersa® calculator facilitates comparing FHA rates and terms with those of other loan options. It allows you to explore a diverse range, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in comparison with FHA.
Lendersa® efficiently pulls loan program data from numerous lenders, swiftly aligning it with your particular financial profile for a seamless comparison.
The Loan Limits Comparison Table for 2026 in Waldorf county part of Charles, MD, enables a side-by-side comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and maximum potential loan amounts for hard money. To appraise qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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