Jumbo Loan Rates in Maryland
See current jumbo mortgage rates in MD, compare purchase and refinance options, and learn when a loan amount exceeds local conforming loan limits.
Current Maryland Jumbo Mortgage Rates
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| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| Jumbo 30-Year Fixed | 5.750% | 5.973% | 2.250 | $5,543 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| Jumbo 30-Year Refinance | 5.875% | 6.083% | 2.000 | $5,619 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|
Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 5.973% APR and $5,543 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.
Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.083% APR and $5,619 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.
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2026 Jumbo Loan Limits In Maryland
A jumbo loan in Maryland is generally a mortgage that exceeds the conforming loan limit for the county where the home is located. Maryland has both standard-limit counties and higher-cost counties, so buyers in the Baltimore area, the Eastern Shore, Western Maryland and the Washington, D.C. suburbs may not all use the same one-unit threshold.
For 2026, many Maryland counties use the standard one-unit conforming loan limit of $832,750. Several counties in the Washington, D.C. metro area have higher limits, with some reaching the 2026 one-unit ceiling of $1,249,125. Limits are higher for two- to four-unit properties, so this threshold applies to single-family homes, condos and other one-unit properties.
2026 Maryland jumbo loan limits by county
| County | 1-Unit Limit | 2-Unit | 3-Unit | 4-Unit |
|---|
Conforming loan limits are set annually by the Federal Housing Finance Agency (FHFA). Loans above these limits are considered jumbo loans and typically require stricter underwriting. This map is for informational purposes only and does not constitute a loan offer or commitment to lend. Actual loan eligibility depends on credit, income, property, and lender guidelines.
Maryland County Jumbo Loan Limit Examples
The table below shows examples of Maryland counties and their 2026 one-unit conforming loan limits. A loan amount above the county limit is generally considered a jumbo loan.
| County | 2026 Conforming Loan Limit For One-Unit Properties | When A Loan Becomes Jumbo | Limit Tier |
|---|---|---|---|
| Montgomery County | $1,249,125 | More than $1,249,125 | High-Cost Ceiling |
| Prince George's County | $1,249,125 | More than $1,249,125 | High-Cost Ceiling |
| Frederick County | $1,249,125 | More than $1,249,125 | High-Cost Ceiling |
| Charles County | $1,249,125 | More than $1,249,125 | High-Cost Ceiling |
| Calvert County | $1,209,750 | More than $1,209,750 | High-Cost |
| Baltimore County | $832,750 | More than $832,750 | Standard |
| Anne Arundel County | $832,750 | More than $832,750 | Standard |
| Wicomico County | $832,750 | More than $832,750 | Standard |
When Do You Need A Jumbo Loan In Maryland?
Jumbo status depends on the mortgage amount, not the purchase price. In Maryland, the same loan amount can be jumbo in one county but conforming in another because some counties have higher one-unit limits.
For example, an $900,000 loan would generally be jumbo in Baltimore County, where the one-unit limit is $832,750. The same loan amount would generally remain within the conforming range in Montgomery County, Prince George's County, Frederick County or Charles County, where the one-unit limit reaches $1,249,125.
| Home Price | Down Payment | Loan Amount | Jumbo Loan? |
|---|---|---|---|
| $950,000 | $95,000 | $855,000 | Yes in standard-limit counties; No in higher-cost counties |
| $1,100,000 | $220,000 | $880,000 | Yes in standard-limit counties; No in higher-cost counties |
| $1,300,000 | $130,000 | $1,170,000 | Yes in standard-limit counties; No in counties with a $1,249,125 limit |
| $1,500,000 | $225,000 | $1,275,000 | Yes |
How To Qualify For A Jumbo Loan In Maryland
Jumbo loan requirements are usually more detailed than conforming loan requirements because the loan amount is larger. Lenders review credit, income, assets, down payment, property type and the borrower’s overall capacity to repay.
Credit score expectations are typically higher for jumbo loans, although the exact standard depends on the lender, loan amount and full borrower profile. Down payment requirements also vary by loan size, occupancy and property type.
Lenders also review Debt-to-income ratio, income documentation and available assets. Some borrowers need additional reserves, especially for larger loan amounts or non-primary residences. Requirements may differ for a primary residence, one of the borrower’s second homes or an investment property.
Frequently Asked Questions About Jumbo Loans In Maryland
What Is A Jumbo Loan In Maryland?
A jumbo loan in Maryland is generally a mortgage that exceeds the conforming loan limit for the county where the property is located. For one-unit properties in 2026, many Maryland counties use a limit of $832,750, while several higher-cost counties use higher limits.
Are Jumbo Loan Limits The Same In Every Maryland County?
No. Maryland has both standard-limit counties and higher-cost counties. A loan amount that is jumbo in Baltimore County or Wicomico County may still be conforming in Montgomery County, Prince George's County, Frederick County or Charles County.
Are Jumbo Mortgage Rates Higher In Maryland?
Jumbo mortgage rates in Maryland can be higher, lower or similar to conforming rates depending on market conditions and the borrower’s profile. Loan amount, credit score, down payment, property type, occupancy and refinance or purchase purpose all affect pricing.
Can I Refinance A Jumbo Loan In Maryland?
Yes. Maryland homeowners can refinance a jumbo loan if they meet the lender’s credit, income, equity and asset requirements. The new loan amount, home value and refinance purpose determine whether the new mortgage is jumbo.
How Much Down Payment Do I Need For A Jumbo Loan In Maryland?
The down payment needed for a Maryland jumbo loan depends on the lender, loan amount, credit profile, property type and occupancy. Larger loan amounts and non-primary residences usually require stronger overall qualifications.
Do Jumbo Loans Require More Cash Reserves?
Some jumbo loans require more cash reserves than conforming loans. Reserve requirements vary by lender and loan scenario, but borrowers should be ready to document funds remaining after the down payment and closing costs.
Are Jumbo Loans Available For Second Homes Or Investment Properties In Maryland?
Jumbo loans may be available for second homes and investment properties in Maryland, but the requirements are usually stricter than for a primary residence. Lenders may review down payment, reserves, credit history and property use more closely.
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