For loans originated on or before September 30, 2011, the "temporary" high-cost area loan limits will apply and will be the same as the 2010 high-cost area loan limits, up to a maximum of $729,750. Presented below is a table detailing the County loan limits for Maryland, DC, and Virginia.
The limits are especially favorable to the DC Metro area, including Montgomery County, Frederick County, and Prince George's County with loan limits being $729,750. Howard County, Anne Arundel County, and Baltimore County get left out with a $560,000 loan limit.
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What are the County loan limits? The County Loan limits are somewhat like a speed limit in the mortgage market. Fannie sets the limits which means they will secure loans originated up to the specified amount. Anything above the specified loan limits and you are required to use a private backed Jumbo mortgage product with have higher rates and different terms. ** Don't forget about our second mortgages to allow you to go above the loan limits with only 10% down - keeping you out of jumbo mortgage rates. Loans originated on or after October 1, 2011 are slated to go back to the "permanent" high-cost area loan limits up to a maximum of $625,500. |
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| DISTRICT OF COLUMBIA | DISTRICT OF COL, DC | $729,750 |
| MARYLAND | ALLEGANY, MD | $417,000 |
| MARYLAND | ANNE ARUNDEL, MD | $560,000 |
| MARYLAND | BALTIMORE, MD | $560,000 |
| MARYLAND | CALVERT, MD | $729,750 |
| MARYLAND | CAROLINE, MD | $417,000 |
| MARYLAND | CARROLL, MD | $560,000 |
| MARYLAND | CECIL, MD | $420,000 |
| MARYLAND | CHARLES, MD | $729,750 |
| MARYLAND | DORCHESTER, MD | $417,000 |
| MARYLAND | FREDERICK, MD | $729,750 |
| MARYLAND | GARRETT, MD | $437,500 |
| MARYLAND | HARFORD, MD | $560,000 |
| MARYLAND | HOWARD, MD | $560,000 |
| MARYLAND | KENT, MD | $417,000 |
| MARYLAND | MONTGOMERY, MD | $729,750 |
| MARYLAND | PRINCE GEORGE'S, MD | $729,750 |
| MARYLAND | QUEEN ANNE'S, MD | $560,000 |
| MARYLAND | ST. MARY'S, MD | $417,000 |
| MARYLAND | SOMERSET, MD | $417,000 |
| MARYLAND | TALBOT, MD | $443,750 |
| MARYLAND | WASHINGTON, MD | $417,000 |
| MARYLAND | WICOMICO, MD | $417,000 |
| MARYLAND | WORCESTER, MD | $437,500 |
| MARYLAND | BALTIMORE CITY, MD | $560,000 |
| VIRGINIA | ACCOMACK, VA | $417,000 |
| VIRGINIA | ALBEMARLE, VA | $437,000 |
| VIRGINIA | ALLEGHANY, VA | $417,000 |
| VIRGINIA | AMELIA, VA | $535,900 |
| VIRGINIA | AMHERST, VA | $417,000 |
| VIRGINIA | APPOMATTOX, VA | $417,000 |
| VIRGINIA | ARLINGTON, VA | $729,750 |
| VIRGINIA | AUGUSTA, VA | $417,000 |
| VIRGINIA | BATH, VA | $417,000 |
| VIRGINIA | BEDFORD, VA | $417,000 |
| VIRGINIA | BLAND, VA | $417,000 |
| VIRGINIA | BOTETOURT, VA | $417,000 |
| VIRGINIA | BRUNSWICK, VA | $417,000 |
| VIRGINIA | BUCHANAN, VA | $417,000 |
| VIRGINIA | BUCKINGHAM, VA | $417,000 |
| VIRGINIA | CAMPBELL, VA | $417,000 |
| VIRGINIA | CAROLINE, VA | $535,900 |
| VIRGINIA | CARROLL, VA | $417,000 |
| VIRGINIA | CHARLES CITY, VA | $535,900 |
| VIRGINIA | CHARLOTTE, VA | $417,000 |
| VIRGINIA | CHESTERFIELD, VA | $535,900 |
| VIRGINIA | CLARKE, VA | $729,750 |
| VIRGINIA | CRAIG, VA | $417,000 |
| VIRGINIA | CULPEPER, VA | $417,000 |
| VIRGINIA | CUMBERLAND, VA | $535,900 |
| VIRGINIA | DICKENSON, VA | $417,000 |
| VIRGINIA | DINWIDDIE, VA | $535,900 |
| VIRGINIA | ESSEX, VA | $417,000 |
| VIRGINIA | FAIRFAX, VA | $729,750 |
| VIRGINIA | FAUQUIER, VA | $729,750 |
| VIRGINIA | FLOYD, VA | $417,000 |
| VIRGINIA | FLUVANNA, VA | $437,000 |
| VIRGINIA | FRANKLIN, VA | $417,000 |
| VIRGINIA | FREDERICK, VA | $475,000 |
| VIRGINIA | GILES, VA | $417,000 |
| VIRGINIA | GLOUCESTER, VA | $458,850 |
| VIRGINIA | GOOCHLAND, VA | $535,900 |
| VIRGINIA | GRAYSON, VA | $417,000 |
| VIRGINIA | GREENE, VA | $437,000 |
| VIRGINIA | GREENSVILLE, VA | $417,000 |
| VIRGINIA | HALIFAX, VA | $417,000 |
| VIRGINIA | HANOVER, VA | $535,900 |
| VIRGINIA | HENRICO, VA | $535,900 |
| VIRGINIA | HENRY, VA | $417,000 |
| VIRGINIA | HIGHLAND, VA | $417,000 |
| VIRGINIA | ISLE OF WIGHT, VA | $458,850 |
| VIRGINIA | JAMES CITY, VA | $458,850 |
| VIRGINIA | KING AND QUEEN, VA | $535,900 |
| VIRGINIA | KING GEORGE, VA | $417,000 |
| VIRGINIA | KING WILLIAM, VA | $535,900 |
| VIRGINIA | LANCASTER, VA | $545,000 |
| VIRGINIA | LEE, VA | $417,000 |
| VIRGINIA | LOUDOUN, VA | $729,750 |
| VIRGINIA | LOUISA, VA | $535,900 |
| VIRGINIA | LUNENBURG, VA | $417,000 |
| VIRGINIA | MADISON, VA | $417,000 |
| VIRGINIA | MATHEWS, VA | $458,850 |
| VIRGINIA | MECKLENBURG, VA | $417,000 |
| VIRGINIA | MIDDLESEX, VA | $417,000 |
| VIRGINIA | MONTGOMERY, VA | $417,000 |
| VIRGINIA | NELSON, VA | $437,000 |
| VIRGINIA | NEW KENT, VA | $535,900 |
| VIRGINIA | NORTHAMPTON, VA | $417,000 |
| VIRGINIA | NORTHUMBERLAND, VA | $417,000 |
| VIRGINIA | NOTTOWAY, VA | $417,000 |
| VIRGINIA | ORANGE, VA | $417,000 |
| VIRGINIA | PAGE, VA | $417,000 |
| VIRGINIA | PATRICK, VA | $417,000 |
| VIRGINIA | PITTSYLVANIA, VA | $417,000 |
| VIRGINIA | POWHATAN, VA | $535,900 |
| VIRGINIA | PRINCE EDWARD, VA | $417,000 |
| VIRGINIA | PRINCE GEORGE, VA | $535,900 |
| VIRGINIA | PRINCE WILLIAM, VA | $729,750 |
| VIRGINIA | PULASKI, VA | $417,000 |
| VIRGINIA | RAPPAHANNOCK, VA | $417,000 |
| VIRGINIA | RICHMOND, VA | $417,000 |
| VIRGINIA | ROANOKE, VA | $417,000 |
| VIRGINIA | ROCKBRIDGE, VA | $417,000 |
| VIRGINIA | ROCKINGHAM, VA | $417,000 |
| VIRGINIA | RUSSELL, VA | $417,000 |
| VIRGINIA | SCOTT, VA | $417,000 |
| VIRGINIA | SHENANDOAH, VA | $417,000 |
| VIRGINIA | SMYTH, VA | $417,000 |
| VIRGINIA | SOUTHAMPTON, VA | $417,000 |
| VIRGINIA | SPOTSYLVANIA, VA | $729,750 |
| VIRGINIA | STAFFORD, VA | $729,750 |
| VIRGINIA | SURRY, VA | $458,850 |
| VIRGINIA | SUSSEX, VA | $535,900 |
| VIRGINIA | TAZEWELL, VA | $417,000 |
| VIRGINIA | WARREN, VA | $729,750 |
| VIRGINIA | WASHINGTON, VA | $417,000 |
| VIRGINIA | WESTMORELAND, VA | $417,000 |
| VIRGINIA | WISE, VA | $417,000 |
| VIRGINIA | WYTHE, VA | $417,000 |
| VIRGINIA | YORK, VA | $458,850 |
| VIRGINIA | ALEXANDRIA, VA | $729,750 |
| VIRGINIA | BEDFORD IND, VA | $417,000 |
| VIRGINIA | BRISTOL, VA | $417,000 |
| VIRGINIA | BUENA VISTA, VA | $417,000 |
| VIRGINIA | CHARLOTTESVILLE, VA | $437,000 |
| VIRGINIA | CHESAPEAKE, VA | $458,850 |
| VIRGINIA | COLONIAL HEIGHT, VA | $535,900 |
| VIRGINIA | COVINGTON, VA | $417,000 |
| VIRGINIA | DANVILLE, VA | $417,000 |
| VIRGINIA | EMPORIA, VA | $417,000 |
| VIRGINIA | FAIRFAX IND, VA | $729,750 |
| VIRGINIA | FALLS CHURCH, VA | $729,750 |
| VIRGINIA | FRANKLIN IND, VA | $417,000 |
| VIRGINIA | FREDERICKSBURG, VA | $729,750 |
| VIRGINIA | GALAX, VA | $417,000 |
| VIRGINIA | HAMPTON, VA | $458,850 |
| VIRGINIA | HARRISONBURG, VA | $417,000 |
| VIRGINIA | HOPEWELL, VA | $535,900 |
| VIRGINIA | LEXINGTON, VA | $417,000 |
| VIRGINIA | LYNCHBURG, VA | $417,000 |
| VIRGINIA | MANASSAS, VA | $729,750 |
| VIRGINIA | MANASSAS PARK, VA | $729,750 |
| VIRGINIA | MARTINSVILLE, VA | $417,000 |
| VIRGINIA | NEWPORT NEWS, VA | $458,850 |
| VIRGINIA | NORFOLK, VA | $458,850 |
| VIRGINIA | NORTON, VA | $417,000 |
| VIRGINIA | PETERSBURG, VA | $535,900 |
| VIRGINIA | POQUOSON, VA | $458,850 |
| VIRGINIA | PORTSMOUTH, VA | $458,850 |
| VIRGINIA | RADFORD, VA | $417,000 |
| VIRGINIA | RICHMOND IND, VA | $535,900 |
| VIRGINIA | ROANOKE IND, VA | $417,000 |
| VIRGINIA | SALEM, VA | $417,000 |
| VIRGINIA | STAUNTON, VA | $417,000 |
| VIRGINIA | SUFFOLK, VA | $458,850 |
| VIRGINIA | VIRGINIA BEACH, VA | $458,850 |
| VIRGINIA | WAYNESBORO, VA | $417,000 |
| VIRGINIA | WILLIAMSBURG, VA | $458,850 |
| VIRGINIA | WINCHESTER, VA | $475,000 |
If you County is not covered above, you can find the entire Fannie Mae Loan Limit spreadsheet. If you have any questions about your specific loan limit for your county, don't hesitate to contact me via email or phone. 301-585-7283.
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