2026 loan limits in Dorchester County, Maryland
In Dorchester County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
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 $1,040,938 in Dorchester County and stay conforming; with 10% down, about $925,278. 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 $560,919.
Questions
What is the 2026 conforming loan limit in Dorchester County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Dorchester County?
$541,287 for a one-unit home.
More for Dorchester County
Dorchester County property taxesFHA loan limits toolMaryland closing costsCambridge 21613 market dataChurch Creek 21622 market dataCrapo 21626 market dataCrocheron 21627 market dataEast New Market 21631 market dataFishing Creek 21634 market dataHurlock 21643 market dataMadison 21648 market dataRhodesdale 21659 market dataSecretary 21664 market data
2026 limits from HUD’s county files (Cambridge, Md). Conforming limits are set by the Federal Housing Finance Agency.