Maryland 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Maryland

Maryland has 24 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Allegany County to a high of $1,581,750 for a 4-bedroom unit in Calvert County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Maryland's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($685,400)
Highest Loan Limit ($1,581,750)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Maryland (24 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Allegany County $356,362 $685,400 view details »
Anne Arundel County $538,200 $1,035,000 view details »
Baltimore County $538,200 $1,035,000 view details »
Calvert County $822,375 $1,581,750 view details »
Caroline County $356,362 $685,400 view details »
Carroll County $538,200 $1,035,000 view details »
Cecil County $431,250 $829,350 view details »
Charles County $822,375 $1,581,750 view details »
Dorchester County $356,362 $685,400 view details »
Frederick County $822,375 $1,581,750 view details »
Garrett County $356,362 $685,400 view details »
Harford County $538,200 $1,035,000 view details »
Howard County $538,200 $1,035,000 view details »
Kent County $356,362 $685,400 view details »
Montgomery County $822,375 $1,581,750 view details »
Prince George's County $822,375 $1,581,750 view details »
Queen Anne's County $538,200 $1,035,000 view details »
St. Mary's County $356,362 $685,400 view details »
Somerset County $356,362 $685,400 view details »
Talbot County $408,250 $785,100 view details »
Washington County $356,362 $685,400 view details »
Wicomico County $356,362 $685,400 view details »
Worcester County $356,362 $685,400 view details »
Baltimore City $538,200 $1,035,000 view details »

How to qualify for an FHA Loan in Maryland?

To qualify for an FHA loan in Maryland, your home loan must be below the local FHA loan limits in your area. For 2021, the maximum loan limit in Maryland is $356,362 for a single-family home and $1,581,750 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Maryland. Additional restricts apply. Click on the Maryland map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/maryland