FHA Loan Limits and USDA Eligibility in Frederick County, Maryland
2026 FHA one-unit limit in Frederick County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $153,550. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for Maryland
USDA Property Eligibility and Income Limits Map for Maryland
Frederick County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 20842 | $1,249,125 | $153,550 |
| 20871 | $1,249,125 | $153,550 |
| 21701 | $1,249,125 | $153,550 |
| 21702 | $1,249,125 | $153,550 |
| 21703 | $1,249,125 | $153,550 |
| 21704 | $1,249,125 | $153,550 |
| 21710 | $1,249,125 | $153,550 |
| 21714 | $1,249,125 | $153,550 |
| 21716 | $1,249,125 | $153,550 |
| 21717 | $1,249,125 | $153,550 |
| 21718 | $1,249,125 | $153,550 |
| 21727 | $1,249,125 | $153,550 |
| 21733 | $1,249,125 | $133,400 |
| 21754 | $1,249,125 | $153,550 |
| 21755 | $1,249,125 | $153,550 |
| 21757 | $1,249,125 | $153,550 |
| 21758 | $1,249,125 | $133,400 to $153,550 |
| 21762 | $1,249,125 | $153,550 |
| 21769 | $1,249,125 | $133,400 to $153,550 |
| 21770 | $1,249,125 | $153,550 |
| 21771 | $1,249,125 | $153,550 |
| 21773 | $1,249,125 | $153,550 |
| 21774 | $1,249,125 | $153,550 |
| 21776 | $1,249,125 | $153,550 |
| 21777 | $1,249,125 | $153,550 |
| 21778 | $1,249,125 | $153,550 |
| 21780 | $1,249,125 | $133,400 to $153,550 |
| 21783 | $1,249,125 | $133,400 to $153,550 |
| 21787 | $1,249,125 | $153,550 |
| 21788 | $1,249,125 | $153,550 |
| 21790 | $1,249,125 | $153,550 |
| 21791 | $1,249,125 | $153,550 |
| 21793 | $1,249,125 | $153,550 |
| 21798 | $1,249,125 | $153,550 |
Connect with a Lender in Frederick County
Connect with a lender to confirm FHA loan limits, USDA income limits, and a specific Frederick County address. Only a lender can confirm official program requirements.
Loan Options in Frederick County
A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Frederick County address. Then they can match you if you qualify.
Connect with a lender
NMLS-licensed lenders Fast Lender Matching No initial credit impact
Powered by Mortgage Research Center, NMLS #1907 — Trusted since 2002