Maryland 2025 FHA Loan Limits
Loan Limits in Maryland
Maryland has 24 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Allegany County to a high of $2,326,875 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.
Highest Loan Limit ($2,326,875)
† 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)
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 2025, the maximum loan limit in Maryland is $524,225 for a single-family home and $2,326,875 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.