Maryland Conventional Loan Limits by County

Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County1 UnitDuplexTriplexFourplex
ALLEGANY$424,100$543,000$656,350$815,650
ANNE ARUNDEL$517,500$662,500$800,800$995,200
BALTIMORE$517,500$662,500$800,800$995,200
CALVERT$636,150$814,500$984,525$1,223,475
CAROLINE$424,100$543,000$656,350$815,650
CARROLL$517,500$662,500$800,800$995,200
CECIL$424,100$543,000$656,350$815,650
CHARLES$636,150$814,500$984,525$1,223,475
DORCHESTER$424,100$543,000$656,350$815,650
FREDERICK$636,150$814,500$984,525$1,223,475
GARRETT$424,100$543,000$656,350$815,650
HARFORD$517,500$662,500$800,800$995,200
HOWARD$517,500$662,500$800,800$995,200
KENT$424,100$543,000$656,350$815,650
MONTGOMERY$636,150$814,500$984,525$1,223,475
PRINCE GEORGE’S$636,150$814,500$984,525$1,223,475
QUEEN ANNE’S$517,500$662,500$800,800$995,200
ST. MARY’S$424,100$543,000$656,350$815,650
SOMERSET$424,100$543,000$656,350$815,650
TALBOT$424,100$543,000$656,350$815,650
WASHINGTON$424,100$543,000$656,350$815,650
WICOMICO$424,100$543,000$656,350$815,650
WORCESTER$424,100$543,000$656,350$815,650
BALTIMORE CITY$517,500$662,500$800,800$995,200
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