NACA Conforming Loan Limits for Maryland – 2019

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 NameOne-Unit LimitTwo-Unit LimitThree-Unit LimitFour-Unit Limit
ALLEGANY COUNTY484,350620,200749,650931,600
ANNE ARUNDEL COUNTY 517,500662,500800,800995,200
BALTIMORE COUNTY 517,500662,500800,800995,200
CALVERT COUNTY 726,525930,3001,124,4751,397,400
CAROLINE COUNTY 484,350620,200749,650931,600
CARROLL COUNTY 517,500662,500800,800995,200
CECIL COUNTY 484,350620,200749,650931,600
CHARLES COUNTY 726,525930,3001,124,4751,397,400
DORCHESTER COUNTY 484,350620,200749,650931,600
FREDERICK COUNTY 726,525930,3001,124,4751,397,400
GARRETT COUNTY 484,350620,200749,650931,600
HARFORD COUNTY 517,500662,500800,800995,200
HOWARD COUNTY 517,500662,500800,800995,200
KENT COUNTY 484,350620,200749,650931,600
MONTGOMERY COUNTY 726,525930,3001,124,4751,397,400
PRINCE GEORGE’S COUNTY 726,525930,3001,124,4751,397,400
QUEEN ANNE’S COUNTY 517,500662,500800,800995,200
ST. MARY’S COUNTY 484,350620,200749,650931,600
SOMERSET COUNTY 484,350620,200749,650931,600
TALBOT COUNTY 484,350620,200749,650931,600
WASHINGTON COUNTY 484,350620,200749,650931,600
WICOMICO COUNTY 484,350620,200749,650931,600
WORCESTER COUNTY 484,350620,200749,650931,600
BALTIMORE CITY COUNTY 517,500662,500800,800995,200

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