As of 2026, the FHA loan limit in Baltimore, part of the county of Fairfield, OH, is set at $488,750 for a single-family home. For a 2-unit residence, it is $625,700, for 3-units it's $756,300, and for a 4-unit building, the limit reaches $939,900.
The upper limit for conventional loans on single-family homes is $726,200. For 2-unit dwellings, it is $929,850, for 3-units it reaches $1,123,900, and for 4-unit properties, it is $1,396,800.
Use our FHA calculator to check today's FHA top rates and to figure out the necessary down payment, income requirements, credit standards, reserves, and documentation needed.
The Lendersa® calculator provides a tool to compare FHA rates and terms with those from various other loan programs. You can explore Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA.
Lendersa® quickly gathers data from thousands of lenders and assesses it in real-time against your specific financial considerations and needs.
The Loan Limits Comparison Table for 2026 in Baltimore, within Fairfield county, OH allows you to evaluate maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare criteria for qualification like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $488,750 | $625,700 | $756,300 | $939,900 |
| 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 | $351,400 | $351,400 | $351,400 | $351,400 |
| 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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