2026 VA and FHA Construction Loan Limits
Borrow for Single Family Home Loans in Maryland Counties
The FHA has a maximum construction loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.
Construction loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.
24 match(es) found
| ALLEGANY County CUMBERLAND | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| ANNE ARUNDEL County BALTIMORE-COLUMBIA-TOWSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $747,500 | ||
| BALTIMORE County BALTIMORE-COLUMBIA-TOWSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $747,500 | ||
| BALTIMORE CITY County BALTIMORE-COLUMBIA-TOWSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $747,500 | ||
| CALVERT County LEXINGTON PARK | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CAROLINE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CARROLL County BALTIMORE-COLUMBIA-TOWSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $747,500 | ||
| CECIL County PHILADELPHIA-CAMDEN-WILMINGTON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $630,200 | ||
| CHARLES County WASHINGTON-ARLINGTON-ALEXANDRIA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,249,125 | ||
| DORCHESTER County CAMBRIDGE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| FREDERICK County WASHINGTON-ARLINGTON-ALEXANDRIA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,249,125 | ||
| GARRETT County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HARFORD County BALTIMORE-COLUMBIA-TOWSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $747,500 | ||
| HOWARD County BALTIMORE-COLUMBIA-TOWSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $747,500 | ||
| KENT County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MONTGOMERY County WASHINGTON-ARLINGTON-ALEXANDRIA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,249,125 | ||
| PRINCE GEORGE'S County WASHINGTON-ARLINGTON-ALEXANDRIA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,249,125 | ||
| QUEEN ANNE'S County BALTIMORE-COLUMBIA-TOWSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $747,500 | ||
| SOMERSET County SALISBURY | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| ST. MARY'S County LEXINGTON PARK | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| TALBOT County EASTON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WASHINGTON County HAGERSTOWN-MARTINSBURG | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WICOMICO County SALISBURY | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WORCESTER County OCEAN PINES | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
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