FHA Loan Limits in Maryland (2026)
For 2026, the FHA loan limit in most Maryland counties is $541,287 for a single-family home. 3 higher-cost Maryland counties carry larger limit, up to $1,249,125.
FHA loan limits by county in Maryland
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Montgomery County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Prince Georges County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Baltimore County | $541,287 | $692,997 | $1,041,072 | Standard |
| Anne Arundel County | $541,287 | $692,997 | $1,041,072 | Standard |
| Baltimore City County | $541,287 | $692,997 | $1,041,072 | Standard |
| Howard County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Harford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Frederick County | $541,287 | $692,997 | $1,041,072 | Standard |
| Carroll County | $541,287 | $692,997 | $1,041,072 | Standard |
| Charles County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Mary's County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cecil County | $541,287 | $692,997 | $1,041,072 | Standard |
| Calvert County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wicomico County | $541,287 | $692,997 | $1,041,072 | Standard |
| Allegany County | $541,287 | $692,997 | $1,041,072 | Standard |
| Queen Anne's County | $541,287 | $692,997 | $1,041,072 | Standard |
| Worcester County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dorchester County | $541,287 | $692,997 | $1,041,072 | Standard |
| Talbot County | $541,287 | $692,997 | $1,041,072 | Standard |
| Caroline County | $541,287 | $692,997 | $1,041,072 | Standard |
| Garrett County | $541,287 | $692,997 | $1,041,072 | Standard |
| Somerset County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kent County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Maryland
FHA loans are popular with first-time buyers in Maryland because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Maryland for 2026?
- Most Maryland counties use the national FHA floor of $541,287 for a one-unit home. High-cost Maryland counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Maryland?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.