2026 loan limits in Allegany County, Maryland
In Allegany County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Allegany County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Allegany County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Allegany County?
$541,287 for a one-unit home.
More for Allegany County
Allegany County property taxesFHA loan limits toolMaryland closing costsCumberland 21502 market dataEllerslie 21529 market dataFlintstone 21530 market dataFrostburg 21532 market dataLittle Orleans 21766 market dataMidlothian 21543 market dataMount Savage 21545 market dataOldtown 21555 market dataRawlings 21557 market data
2026 limits from HUD’s county files (Cumberland, Md-Wv). Conforming limits are set by the Federal Housing Finance Agency.