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Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for Maryland

Conforming Loans

FHA Loans

Property Type

2025 Loan Limit

1-Unit Homes

$806,500

2-Unit Homes

$1,032,650

3-Unit Homes

$1,248,150

4-Unit Homes

$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

Maryland mortgage loan limits apply in:

2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area

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Historical Charts: Mortgage Loan Limits in Maryland

Maryland mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans

FHA Loans

Mortgage Statistics from Maryland

Maryland mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages

Total

Purchase Mortgages (2018-2023)

492,153

Loan Type

Relative Share

Conventional

65.15%

FHA

21.33%

11.39%

USDA

2.13%

Property Type

Relative Share

1-Unit Homes

99.45%

2-Unit Homes

0.38%

3-Unit Homes

0.11%

4-Unit Homes

0.06%

Borrower Status

Relative Share

One Applicant

58.56%

Two or More Applicants

41.44%

Gender

Relative Share

Male

31.85%

Female

26.92%

Joint Sex

34.77%

Not Available

6.46%

Race

Relative Share

American Indian / Alaska Native

0.30%

Asian

7.29%

Black / African American

21.97%

Native Hawaiian / Other Pacific Islander

0.16%

White

52.55%

Mixed Race

3.02%

Other Race

14.72%

Ethnicity

Relative Share

Hispanic or Latino

8.24%

Not Hispanic or Latino

75.25%

Joint Ethnicity

1.98%

Other Ethnicity

14.53%

Maryland data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits in All Maryland Counties

2025 conforming and FHA mortgage loan limits for all Maryland counties. Local loan limits and county-level mortgage data updated regularly.

Maryland Counties

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2025 Conventional and FHA Mortgage Loan Limits for Maryland

Maryland mortgage loan limits apply in:

Historical Charts: Mortgage Loan Limits in Maryland

Mortgage Statistics from Maryland

Mortgage Loan Limits in All Maryland Counties

Maryland Counties

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