Maryland Mortgage Guides 2026
FHA limits by county, Maryland Mortgage Program down payment assistance, USDA rural loans, VA resources for Maryland’s large military community, and a complete closing cost breakdown — all in one place.
Everything You Need for a Maryland Home Purchase
Six in-depth guides covering every aspect of getting a mortgage in Maryland — from loan program selection to what you’ll pay at closing.
Maryland Mortgage Guide
FHA loan limits by county, loan program comparison, property tax overview, and how the Maryland housing market affects your financing options.
Read guide →Maryland First-Time Home Buyer Guide
Maryland Mortgage Program 1st Time Advantage loans, down payment assistance up to 6%, and income & purchase price limits by county — compared side by side.
Read guide →Maryland FHA Loan Requirements
2026 FHA limits for Montgomery, Prince George’s, Frederick & Charles counties ($1,249,125), Baltimore metro ($747,500), and every other Maryland county.
Read guide →Maryland VA Loan Requirements
VA entitlement, 2026 funding fee chart, and resources for Fort Meade, Aberdeen Proving Ground, Naval Air Station Patuxent River, and the Naval Academy.
Read guide →Maryland USDA Loans
2026 USDA income limits for Maryland, eligible rural areas across the Eastern Shore and Western Maryland, and how zero-down USDA compares to FHA.
Read guide →Maryland Closing Costs Guide
State transfer & recordation tax, county-by-county rate differences, first-time buyer exemptions, and a complete fee-by-fee breakdown for Maryland buyers.
Read guide →Key Maryland Mortgage Facts
FHA Loan Limits
- Most MD counties: $541,287
- Montgomery, PG, Frederick, Charles: $1,249,125
- Baltimore metro (Anne Arundel, Baltimore City/County, Carroll, Harford, Howard, Queen Anne’s): $747,500
- Cecil County (Philadelphia metro): $630,200
Down Payment Assistance
- MMP 1st Time Advantage 6000: $6,000 zero-interest deferred DPA
- 1st Time Advantage 3%/4%/5%: DPA equal to % of first mortgage
- HomeStart: 6% DPA for households ≤50% AMI
- Partner Match: up to $2,500 matched assistance
USDA Eligibility
- Baltimore City & close-in DC suburbs: not eligible
- Eastern Shore & Western Maryland: broadly eligible
- Outer DC-metro & Southern MD pockets: check by address
- Income limit ~$122,800 (1–4 person, most areas)
Closing Cost Highlights
- State transfer tax: 0.5% (reduced for first-time buyers)
- State recordation tax: ~$3.30 per $500 of value
- County rates vary — Montgomery County is highest in MD
- Typical buyer costs: 2%–5% of purchase price
Getting Ready to Buy in Maryland?
We’re building out our Maryland loan-officer network now. In the meantime, grab our free Maryland homebuyer guide, and we’ll match you with a licensed Maryland loan officer the moment one joins.
- ✓ Free Maryland homebuyer checklist and program overview
- ✓ 2026 loan limits, assistance programs, and closing-cost basics
- ✓ First in line to be matched with a licensed Maryland loan officer
- ✓ No obligation — educational resources, not a loan application
Coming soon · No obligation · Educational first
Maryland Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Maryland is on our expansion list. In the meantime, our Maryland guides and the official program links above have everything you need to research your purchase.
Join the Maryland Waitlist