2026 loan limits in Calvert County, Maryland
In Calvert County, a conventional loan up to $1,209,750 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)$1,209,750High-cost county
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,512,188Loan 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 | $1,209,750 | $541,287 |
| 2 units | $1,548,975 | $693,050 |
| 3 units | $1,872,225 | $837,700 |
| 4 units | $2,326,875 | $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 $1,512,188 in Calvert County and stay conforming; with 10% down, about $1,344,167. 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 Calvert County?
$1,209,750 for a one-unit home.
What is the 2026 FHA loan limit in Calvert County?
$541,287 for a one-unit home.
More for Calvert County
Calvert County property taxesFHA loan limits toolMaryland closing costsBroomes Island 20615 market dataChesapeake Beach 20732 market dataDowell 20629 market dataDunkirk 20754 market dataHuntingtown 20639 market dataLusby 20657 market dataOwings 20736 market dataPort Republic 20676 market dataPrince Frederick 20678 market dataSaint Leonard 20685 market data
2026 limits from HUD’s county files (Lexington Park, Md). Conforming limits are set by the Federal Housing Finance Agency.