USDA Guaranteed Loans are the most popular rural development mortgage program in Maryland. Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.
Search USDA Guaranteed Loan Limits
Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed Loans are variable, with Maryland USDA income limits playing a major role. Guaranteed Loan income limits across MD are listed below.
Maryland USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Baltimore-Columbia-Towson, MD MSA | $108,550 | $143,300 |
| California-Lexington Park, MD MSA | $108,550 | $143,300 |
| Caroline County, MD | $97,600 | $128,850 |
| Cumberland, MD-WV MSA | $97,600 | $128,850 |
| Dorchester County, MD | $97,600 | $128,850 |
| Garrett County, MD | $97,600 | $128,850 |
| Hagerstown, MD HUD Metro FMR Area | $97,600 | $128,850 |
| Kent County, MD | $97,600 | $128,850 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | $103,650 | $136,800 |
| Salisbury, MD HUD Metro FMR Area | $97,600 | $128,850 |
| Somerset County, MD HUD Metro FMR Area | $97,600 | $128,850 |
| Talbot County, MD | $97,600 | $128,850 |
| Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area | $111,550 | $147,250 |
| Worcester County, MD HUD Metro FMR Area | $97,600 | $128,850 |
