NACA Max Purchase Price Limit Increases In Maryland In Select Cities to $726,525

Maryland close to DC is one of the most expensive housing markets in the United States. Previously the max purchase price was $453,000 for non targeted members. The NACA program has raised this to $726,525 for the following cities in Maryland.

NACA Conforming Loan Limits for Maryland 2019

Priority Members – Low-to-moderate income Members (i.e. borrowers and co-borrowers) whose combined income is less than the median family Income for the MSA where they are purchasing a home (Click here for median income).

• Priority Members can purchase any property within a MSA within the conforming loan limit.

B. Non-Priority Member – Members (i.e. borrowers and co-borrower) whose combined income is equal to or greater than the median family income for the MSA where they are purchasing a home (Click here for Census Tract Median income)

• Non-Priority Members can only purchase in a MSA’s Priority Area with loan and required repairs within the conforming loan limit.

One-Unit is a single family home or condominium
Two-Unit is two separate living units (duplex)
Three-Unit three separate living units (triplex)
Four-Unit four separate living units (fourplex)

County Name One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
ALLEGANY COUNTY 484,350 620,200 749,650 931,600
ANNE ARUNDEL COUNTY 517,500 662,500 800,800 995,200
BALTIMORE COUNTY 517,500 662,500 800,800 995,200
CALVERT COUNTY 726,525 930,300 1,124,475 1,397,400
CAROLINE COUNTY 484,350 620,200 749,650 931,600
CARROLL COUNTY 517,500 662,500 800,800 995,200
CECIL COUNTY 484,350 620,200 749,650 931,600
CHARLES COUNTY 726,525 930,300 1,124,475 1,397,400
DORCHESTER COUNTY 484,350 620,200 749,650 931,600
FREDERICK COUNTY 726,525 930,300 1,124,475 1,397,400
GARRETT COUNTY 484,350 620,200 749,650 931,600
HARFORD COUNTY 517,500 662,500 800,800 995,200
HOWARD COUNTY 517,500 662,500 800,800 995,200
KENT COUNTY 484,350 620,200 749,650 931,600
MONTGOMERY COUNTY 726,525 930,300 1,124,475 1,397,400
PRINCE GEORGE’S COUNTY 726,525 930,300 1,124,475 1,397,400
QUEEN ANNE’S COUNTY 517,500 662,500 800,800 995,200
ST. MARY’S COUNTY 484,350 620,200 749,650 931,600
SOMERSET COUNTY 484,350 620,200 749,650 931,600
TALBOT COUNTY 484,350 620,200 749,650 931,600
WASHINGTON COUNTY 484,350 620,200 749,650 931,600
WICOMICO COUNTY 484,350 620,200 749,650 931,600
WORCESTER COUNTY 484,350 620,200 749,650 931,600
BALTIMORE CITY COUNTY 517,500 662,500 800,800 995,200

A non-complete list of cities to buy through the NACA program in DC-District Of Columbia, MD- Maryland, VA-Virginia:

Abell, Aberdeen, Abingdon, Accokeek, Adamstown, Adamstown, Adelphi, Aldie, Alexandria, Amissville, Andrews Air Force Base, Annandale, Annapolis, Aquasco, Annapolis Junction, Anne Arundel County, Arlington, Arlington County, Arlington Va, Arnold, Aroda, Ashburn, Ashton, Augusta Avenue, Baker, Baldwin, Ballenger Creek, Baltimore, Baltimore City, Barboursville, Barnesville, Basye, Bealeton, Beaverdam, Beallsville, Bel Air, Bel Alton, Beltsville, Benedict, Bentonville, Berkeley Springs, Berlin, Berryville, Berwyn Heights, Bethesda, Betterton, Big Cove, Tannery, Big Pool, Bladensburg, Bloomery, Bluemont, Boonsboro, Bowie, Boyce, Boyds, Bozman, Brandy Station, Brandywine, Breezewood Brentwood, Brinklow, Bristow, Broad Run, Broadlands, Brookeville, Broomes Island, Brunswick, Bryans Road, Bryantown, Buckeystown, Bumpass, Bunker Hill, Burke Burlington, Burtonsville, Bushwood, Cabin John, Cabins, California, Callaway, Cambridge, Capitol Heights, Capon Bridge, Cascade, Castleton, Catharpin, Catharpin, Catlett, Catonsville, Cecilton, Centreville, Chantilly, Chaptico, Charlestown, Charles County, Charlotte Hall, Cheltenham, Chesapeake Beach, Chesapeake City, Chester, Gap, Chestertown, Chestnut Hill Cove, Cheverly, Chevy Chase, Church Hill, Churchton, Churchville, Clarksburg, Clarksville, Clear Brook, Clear Spring, Clifton, Clinton, Clover Hil,l Cloverly, Cobb Island, Cockeysville, College Park, Colesville, Colora, Columbia, Conowingo, Cooksville, Cordova, Corriganville, Crapo, Cresaptown, Crisfield, Crofton, Cross Junction, Crownsville, Crumpton, Culpeper, Cumberland, Damascus, Dameron, Darlington, Darnestown, Davidsonville, Dayton, Deale, Delaplane, Delmar, Delray, Denton, Derwood, Dickerson, District Heights, Dowell, Drayden, Dumfries, Dundalk, Dunkirk, Dunn Loring, Earleville East, New Market, Easton, Edgewater, Edgewood, Edinburg, Eldersburg, Elkridge, Elkton, Elkwood, Ellerslie, Ellicott City, Emmitsburg, Essex, Fairfax, Fairfax County, Fairfax Station, Fairmount Heights, Fairplay, Falling Waters, Falls Church, Fallston, Falmouth, Faulkner, Federalsburg, Finksburg, Fishing Creek, Flint Hill, Flintstone, Forest Glen, Forest Hill, Fort Ashby, Fort Belvoir, Fort Littleton, Fort Meade, Fort Valley, Fort Washington, Frederick, Frederick County, Fredericksburg, Freeland, Friendship, Friendsville, Front Royal, Frostburg, Fruitland, Fulton, Gainesville, Gaithersburg, Galena, Galesville, Gambrills, Garrett Park, Garrison, Germantown, Gerrardstown, Gibson Island, Glen Arm, Glen Burnie, Glen Echo, Glenarden, Glenelg, Glenmont, Glenn Dale, Glenwood, Glyndon, Goldsboro, Goldvein, Gordonsville, Grantsville, Grasonville, Great Cacapon, Great Falls, Great Mills, Green Spring, Greenbelt, Greensboro, Greenway, Gwynn Oak, Hagerstown, Halethorpe, Hamilton, Hampstead, Hancock, Hanover, Harmans, Harrisonville, Harwood, Havre De Grace, Haymarket, Hedgesville, Henderson, Herndon, High View, Highland, Hollywood, Hughesville, Howard County, Hume, Huntingtown, Huntly Hurlock, Hyattsville, Idlewylde, Ijamsville, Indian Head, Inwood, Ironsides Issue, Jarrettsville, Jefferson, Jeffersonton, Jessup, Joppa, Kearneysville, Keedysville, Kennedyville, Kensington, Kentlands, Keymar, Kingsville, Knoxville, La Plata, Lake Frederick, Landover, Lanham, Largo, Lavale, Laytonsville, Leesburg, Leisure World, Leon, Leonardtown, Lexington Park, Lignum, Libertytown, Linden, Linthicum, Linthicum Heights, Locust Grove, Lonaconing, Lorton, Lost City, Lost River, Lothian, Loudoun County, Lovettsville, Lusby, Lutherville, Timonium, Madison, Manassas, Manchester, Marbury, Markham, Marriottsville, Marshall, Martinsburg, Marydel, Mathias, Maugansville, Maurertown, Maysville, Mayo,  McLean, Mcdaniel, Mechanicsville, Merrifield, Middle River, Middleburg, Middletown, Midland, Millers, Millersville, Millington, Mineral, Mitchells, Mitchellville, Monkton, Monrovia, Montgomery Village, Montgomery County, Moorefield, Mount Airy, Mount Jackson, Mount Rainier, Mount Savage, Mount Storm, Mount Vernon, Mount Victoria, Myersville, Nanjemoy, National Harbor, Neavitt, Needmore, New Carrollton, New Creek, New Market, New London, New Windsor, Newburg, Nokesville, Newington, Nokesville, North Beach, North Bethesda, North East, North Potomac, Nottingham, Oak Hill, Oakland, Oakton, Occoquan, Ocean City, Ocean Pines, Odenton, Old Fields, Oldtown, Olney, Owings Mills, Oxford, Oxon Hill, Paeonian Springs, Paris Park Hall, Parkton, Parkville, Partlow, Pasadena, Paw Paw, Perry Hall, Perryville, Petersburg, Phoenix, Pikesville, Piney Point, Point of Rocks, Points, Pomfret, Poolesville, Port Deposit, Port Republic, Port Tobacco, Potomac, Potomac Falls, Preston, Prince Frederick, Prince Georges County, Prince William County, Princess Anne, Purcellville, Purgitsville, Pylesville, Quantico, Queen Anne, Queenstown, Quicksburg, Randallstown, Rapidan, Rawlings, Reisterstown, Remington Reston, Reston, Reva, Rhoadesville, Richardsville, Ridge, Ridgeley, Ridgely, Rileyville, Rio, Rising Sun, Riva Riva, Riverdale, Rixeyville, Rochelle, Rock Hall, Rock Point, Rockville, Rohrersville, Romney, Rosedale, Round Hill, Royal Oak, Sabillasville, Saint Inigoes, Saint Leonard, Saint Michaels, Salisbury, Sandy Spring, Savage, Scotland, Severn, Severna Park, Shady Side, Sharpsburg, Shenandoah, Sherwood, Silver Spring, Slanesville, Simpsonville, Smithsburg, Solomons, Somerset, Sparks, Glencoe, Sparrows Point, Spencerville, Sperryville, Spotsylvania, Springdale, Springfield, Saint Leonard, Saint Michaels, Stafford, Stanley Star, Tannery, Stephens City, Stephenson, Sterling, Stevensville, Still Pond, Stoney Beach, Strasburg Street, Sudlersville, Suitland, Sumerduck, Sunderland, Swan Point, Swanton, Sykesville, Takoma Park, Tall Timbers, Taneytown, Taylors Island, Temple Hills, The Plains, Thurmont, Tilghman, Toddville, Toms Brook, Towson, Tracys Landing, Trappe, Triangle, Union Bridge, Unionville, Upper Marlboro, Upperco, Upperville, Urbana, Vienna, Waldorf, Walkersville, Wardensville, Warfordsburg, Warrenton, Warwick, Washington, Washington DC, Washington Grove, Waterford, West Friendship, West River, West McLean, West Minister, West River, Westernport, Westminster, White Hall, Wheaton, White Marsh, White Oak, White Plains, White Post, Whiteford, Williamsport, Winchester, Windsor Mill, Wittman, Woodbine, Woodbridge, Woodford, Woodsboro, Woodstock, Woodville, Woolford, Worton, Wye Mills, Yellow Spring

Kristopher Fraley , Realtor

A few years ago a serendipitous event(purchasing a home through the NACA program with a 0% 30 year fixed interest rate) inspired me to become a licensed real estate agent in the DC, Maryland & Virginia area, and I love it! There is nothing greater than giving back and its a fantastic process that I feel lucky to participate in. With so many money hungry sharks preying on innocent people in the real estate industry, I feel honored when people trust my team to help them obtain the best terms on a mortgage possible. I can be reached by emailing