Veterans with full entitlement have no VA loan limit in Maryland. With reduced entitlement, 2026 county limits in Maryland range from $832,750 to $1,249,125 (Charles County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Maryland (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Charles County | $1,249,125 | $1,249,125 |
| Frederick County | $1,249,125 | $1,249,125 |
| Montgomery County | $1,249,125 | $1,249,125 |
| Prince George's County | $1,249,125 | $1,249,125 |
| Calvert County | $1,209,750 | $541,287 |
| Allegany County | $832,750 | $541,287 |
| Anne Arundel County | $832,750 | $747,500 |
| Baltimore County | $832,750 | $747,500 |
| Baltimore city | $832,750 | $747,500 |
| Caroline County | $832,750 | $541,287 |
| Carroll County | $832,750 | $747,500 |
| Cecil County | $832,750 | $630,200 |
| Dorchester County | $832,750 | $541,287 |
| Garrett County | $832,750 | $541,287 |
| Harford County | $832,750 | $747,500 |
| Howard County | $832,750 | $747,500 |
| Kent County | $832,750 | $541,287 |
| Queen Anne's County | $832,750 | $747,500 |
| Somerset County | $832,750 | $541,287 |
| St. Mary's County | $832,750 | $541,287 |
| Talbot County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wicomico County | $832,750 | $541,287 |
| Worcester County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Maryland?
Veterans with full entitlement have no VA loan limit in Maryland. With reduced entitlement, 2026 county limits in Maryland range from $832,750 to $1,249,125 (Charles County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.