FHA Mortgage Limits revised 12/30/2008

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Maryland FHA Mortgage Limits

Rev 12/30/2008

MSA Name	County Name	State	One-Family	Two-Family	Three-Family	Four-Family	Last Revised	Limit Year
CUMBERLAND, MD-WV (MSA)	ALLEGANY	MD	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
BALTIMORE-TOWSON, MD (MSA)	ANNE ARUNDEL	MD	$494,500	$633,050	$765,200	$950,950	01/01/2009	CY2009
BALTIMORE-TOWSON, MD (MSA)	BALTIMORE	MD	$494,500	$633,050	$765,200	$950,950	01/01/2009	CY2009
BALTIMORE-TOWSON, MD (MSA)	BALTIMORE CITY	MD	$494,500	$633,050	$765,200	$950,950	01/01/2009	CY2009
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO	CALVERT	MD	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
NON-METRO	CAROLINE	MD	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
BALTIMORE-TOWSON, MD (MSA)	CARROLL	MD	$494,500	$633,050	$765,200	$950,950	01/01/2009	CY2009
WILMINGTON, DE-MD-NJ METROPOLITAN DIVISION	CECIL	MD	$379,500	$485,800	$587,250	$729,800	01/01/2009	CY2009
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO	CHARLES	MD	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
CAMBRIDGE, MD (MICRO)	DORCHESTER	MD	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
BETHESDA-GAITHERSBURG-FREDERICK, MD METR	FREDERICK	MD	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
NON-METRO	GARRETT	MD	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
BALTIMORE-TOWSON, MD (MSA)	HARFORD	MD	$494,500	$633,050	$765,200	$950,950	01/01/2009	CY2009
BALTIMORE-TOWSON, MD (MSA)	HOWARD	MD	$494,500	$633,050	$765,200	$950,950	01/01/2009	CY2009
NON-METRO	KENT	MD	$290,950	$372,450	$450,200	$559,500	01/01/2009	CY2009
BETHESDA-GAITHERSBURG-FREDERICK, MD METR	MONTGOMERY	MD	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV METRO	PRINCE GEORGE'S	MD	$625,500	$800,775	$967,950	$1,202,925	01/01/2009	CY2009
BALTIMORE-TOWSON, MD (MSA)	QUEEN ANNE'S	MD	$494,500	$633,050	$765,200	$950,950	01/01/2009	CY2009
SALISBURY, MD (MSA)	SOMERSET	MD	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
LEXINGTON PARK, MD (MICRO)	ST. MARY'S	MD	$347,300	$444,600	$537,400	$667,900	01/01/2009	CY2009
EASTON, MD (MICRO)	TALBOT	MD	$382,950	$490,250	$592,600	$736,450	01/01/2009	CY2009
HAGERSTOWN-MARTINSBURG, MD-WV (MSA)	WASHINGTON	MD	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
SALISBURY, MD (MSA)	WICOMICO	MD	$271,050	$347,000	$419,425	$521,250	01/01/2009	CY2009
OCEAN PINES, MD (MICRO)	WORCESTER	MD	$310,500	$397,500	$480,450	$597,100	01/01/2009	CY2009

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The CY2009 basic standard mortgage limits for FHA insured loans are:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$271,050.00	$347,000.00	$419,425.00	$521,250.00
	HECM	$417,000.00
	HOPE for Homeowners	$550,440.00
	Fannie/Freddie	$417,000.00	$533,850.00	$645,300.00	$801,950.00

High cost area limits are subject to a ceiling based on a percent of the Freddie Mac Loan limits The ceilings for CY2009 are:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$625,500.00	$800,775.00	$967,950.00	$1,202,925.00
	HECM	$417,000.00
	Fannie/Freddie	$625,500.00	$800,775.00	$967,950.00	$1,202,925.00

Section 214 of the National Housing Act provides that mortgage limits for Alaska, Guam, Hawaii, and the Virgin Islands may be adjusted up to 150 percent of the new ceilings. This results in new CY2009 ceilings for these areas of:
		One-family	Two-family	Three-family	Four-family
	FHA Forward	$938,250.00	$1,201,162.00	$1,451,925.00	$1,804,387.00
	Fannie/Freddie	$938,250.00	$1,201,162.00	$1,451,925.00	$1,804,387.00