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2025 FHA Loan Limits in Maryland

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With low minimum down payments and flexible borrower qualifications, loans backed by the Federal Housing Administration (FHA) can help make homeownership more affordable for Maryland homebuyers.

While FHA loans are easier to qualify for than other loan types, they are subject to maximum loan amounts. In 2025, FHA loan limits in Maryland range from $524,225 to $1,209,750 for a single-family home. Explore Maryland FHA loan limits and learn more about how to qualify for an FHA mortgage.

Maryland FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ALLEGANY	$524,225	$671,200	$811,275	$1,008,300	$163,000
ANNE ARUNDEL	$731,400	$936,300	$1,131,800	$1,406,550	$636,000
BALTIMORE	$731,400	$936,300	$1,131,800	$1,406,550	$636,000
BALTIMORE CITY	$731,400	$936,300	$1,131,800	$1,406,550	$636,000
CALVERT	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
CAROLINE	$524,225	$671,200	$811,275	$1,008,300	$255,000
CARROLL	$731,400	$936,300	$1,131,800	$1,406,550	$636,000
CECIL	$594,550	$761,150	$920,050	$1,143,400	$517,000
CHARLES	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
DORCHESTER	$524,225	$671,200	$811,275	$1,008,300	$224,000
FREDERICK	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
GARRETT	$524,225	$671,200	$811,275	$1,008,300	$229,000
HARFORD	$731,400	$936,300	$1,131,800	$1,406,550	$636,000
HOWARD	$731,400	$936,300	$1,131,800	$1,406,550	$636,000
KENT	$524,225	$671,200	$811,275	$1,008,300	$279,000
MONTGOMERY	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
PRINCE GEORGE'S	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
QUEEN ANNE'S	$731,400	$936,300	$1,131,800	$1,406,550	$636,000
SOMERSET	$524,225	$671,200	$811,275	$1,008,300	$422,000
ST. MARY'S	$524,225	$671,200	$811,275	$1,008,300	$393,000
TALBOT	$524,225	$671,200	$811,275	$1,008,300	$451,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$290,000
WICOMICO	$524,225	$671,200	$811,275	$1,008,300	$422,000
WORCESTER	$524,225	$671,200	$811,275	$1,008,300	$422,000

How are FHA loan limits determined?

The Federal Housing Administration (FHA) establishes annual FHA loan limits by property type and the county or metro area where the home is located.

The FHA loan limit “floor” and “ceiling” are based on a set percentage of the national conforming loan limit, established annually by the Federal Housing Finance Agency (FHFA). The FHA loan limit “floor” is 65% of the national conforming loan limit, currently $806,500. The floor limit applies to areas where 115% of the median home price is below the “floor” amount. The FHA’s “ceiling” is 150% of the conforming limit for higher-cost areas.

Eleven of Maryland’s 24 counties fall under the FHA’s loan limit floor, which means the FHA loan limit in those counties is $524,500. Only five counties have an FHA loan limit at the ceiling amount of $1,209,750, and the remaining eight counties have limits that fall in between.

How to qualify for an FHA loan in Maryland

FHA loans provide a more accessible path to homeownership compared with conventional loans. Meeting the following FHA loan requirements could help you become a Maryland homeowner:

Minimum credit score of 500 or 580: You can qualify for an FHA mortgage with a minimum credit score of 500. But if you want to make the program’s minimum down payment of 3.5%, your credit score must be at least 580.
Minimum down payment of 3.5% or 10%: The minimum down payment for an FHA loan is 3.5%, but if your credit score is 500 to 579, you’ll need to put at least 10% down.
Debt-to-income (DTI) ratio of 43% or less: Your total monthly debt burden must be no more than 43% of your monthly gross income; however, lenders may sometimes allow a higher ratio. If you have considerable student loan debt that prevents you from meeting debt-to-income ratio requirements, the Maryland SmartBuy Program may help you. This program provides eligible homebuyers up to $20,000 in student loan forgiveness over five years.
Mortgage insurance premiums: You are required to pay two different types of FHA mortgage insurance premiums. The upfront mortgage insurance premium is usually 1.75% of the mortgage amount. The annual premium, typically added to the monthly payment, ranges from 0.15% to 0.75% of the loan amount.
FHA home appraisal: The FHA home appraisal process, which assesses whether the house meets FHA property standards, is more complex than it would be with a conventional mortgage.
Primary residence occupancy: Even if you’re purchasing a multifamily unit, you are required to live in one of the units for at least one year. Your move-in day must be within 60 days of closing.

Buying a multifamily property with an FHA loan

If you can afford the monthly mortgage payments, an FHA loan could help you purchase a multifamily home with up to four units with just 3.5% or 10% down, depending on your credit score.

You’ll need to plan on living in one of the units for at least one year, but you can count the anticipated income from the other units as income, a house hacking strategy, making these larger properties more attainable. You may also need to prove you have a certain amount of cash reserves.

FHA loan limits for multifamily properties are higher than single-family homes, reaching as much as $2,326,875 in high-cost areas. The maximum multifamily loan limits in low-cost areas of Maryland are listed below.