In 2026, the FHA loan limit in West-Ocean-City County of Worcester, MD is set at $356,362 for single-family homes, $456,275 for two-unit properties, $551,500 for three-unit residences, and $685,400 for four units.
Conventional loan limits for a single-family home reach $548,250, with $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Utilize our FHA calculator to find today’s top FHA rates and establish what is required in terms of down payment, income, credit score, reserves, and necessary documentation for qualification.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with various other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from numerous lenders and swiftly matches this against your specific financial profile and needs, providing a tailored comparison in seconds.
The Loan Limits Comparison Table for 2026 in West-Ocean-City County, MD, highlights maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. The Lendersa® Super Loan Integrated Qualifier (SLIQ™) is available to compare qualification needs such as 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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