2026 loan limits in Charles County, Maryland
In Charles County, a conventional loan up to $1,249,125 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,249,125.
Conforming limit (1 unit)$1,249,125High-cost county
FHA limit (1 unit)$1,249,125High-cost county
Highest price, 20% down, conforming$1,561,406Loan at the limit
Highest price, 3.5% down, FHA$1,294,430Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,249,125 | $1,249,125 |
| 2 units | $1,599,375 | $1,599,375 |
| 3 units | $1,933,200 | $1,933,200 |
| 4 units | $2,402,625 | $2,402,625 |
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 $1,561,406 in Charles County and stay conforming; with 10% down, about $1,387,917. 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 $1,294,430.
Questions
What is the 2026 conforming loan limit in Charles County?
$1,249,125 for a one-unit home.
What is the 2026 FHA loan limit in Charles County?
$1,249,125 for a one-unit home.
More for Charles County
Charles County property taxesFHA loan limits toolMaryland closing costsBel Alton 20611 market dataBenedict 20612 market dataBryans Road 20616 market dataBryantown 20617 market dataCharlotte Hall 20622 market dataCobb Island 20625 market dataFaulkner 20632 market dataHughesville 20637 market dataIndian Head 20640 market dataIssue 20645 market data
2026 limits from HUD’s county files (Washington-Arlington-Alexandria, Dc-Va-Md-Wv). Conforming limits are set by the Federal Housing Finance Agency.