VA Loan Limits in Maryland (2026)
For 2026, the VA county loan limit for most Maryland counties is $832,750 for a single-family home — but only for veterans with partial entitlement. 3 higher-cost Maryland counties go above that, up to $1,249,125.
With full VA entitlement, there is no loan limit in Maryland — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Maryland
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Montgomery County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Prince Georges County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Baltimore County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Anne Arundel County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Baltimore City County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Howard County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Harford County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Frederick County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Carroll County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Charles County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Mary's County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cecil County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Calvert County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wicomico County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Allegany County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Queen Anne's County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Worcester County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dorchester County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Talbot County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Caroline County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Garrett County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Somerset County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kent County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Maryland's median home price is roughly $430,000. With $0 down and no PMI, an example VA payment near that price is about $3,205/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Maryland
The VA home-loan benefit lets eligible Maryland veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Maryland for 2026?
- With full entitlement, none. For partial entitlement, most Maryland counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Maryland require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.