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Baltimore Jumbo Loan – New 2025 Updates

This page updated and accurate as of May 1, 2025

Baltimore Jumbo Loan Limits 2025A jumbo loan in Baltimore is defined as a loan that exceeds the mortgage limit designated by Fannie Mae and Freddie Mac. If you are a resident of Baltimore and want to acquire a loan that exceeds the limits set by Fannie Mae, Freddie Mac or FHA, then you would need to look at a Jumbo home loan.

In most counties in Maryland, the 2025 limit of conventional loans is any mortgage below $806,500. This amount is higher if you are looking to invest in multi-family properties. In a city where the cost of living is higher, low down payment jumbo financing just may be the right option.

Select high-cost counties allow for conventional loan limits up to $1,209,750. *Please find the complete county list below.

Baltimore Jumbo Loan Down Payment:

When we talk about a 90% Jumbo mortgage, the buyer is required to pay a down payment of 10 percent of the total amount. This has made things easier for buyers in higher-cost locations in Maryland, who have limited resources for a large 20% down payment required by most lenders and banks today.

Similarly, in the case of 95 percent Jumbo loans, the borrower only needs to pay a 5 percent down payment of the total amount. Besides easing up things concerning jumbo loans in Baltimore, eligible borrowers can still purchase homes up to $1,750,000 with only a 5% down payment.

Of course, the Jumbo mortgage has minimum requirements that must be met just like conventional loans.  Here is a snapshot of the latest updates and lender guidelines.

Primary Residence Requirements:

  • 95% financing up to $1,750,000 (80/15 combo loan or single 95% loan options) 700 credit score required
  • 90% financing up to $3,000,000. 700 credit score required
  • 85% financing up to $3,500,000. 720 credit score required
  • No monthly mortgage insurance “PMI”
  • Choose between a fixed interest rate or an adjustable rate term
  • No pre-payment penalty – sell your home, or pay off your loan anytime

Second Home, Vacation Home Requirements: 

  • Credit requirements are the same as listed above
  • 90% financing up to $2,000,000
  • 85% financing up to $2,500,000

Low Down Payment Jumbo LoanAdditional Financing Notes:

  • All jumbo loan programs above will require full income documentation for the previous 2 years. Asset documentation for the down payment will be preferred for the previous 3 months.
  • Depending on the loan amount and down payment, borrowers will need a min of three months of payment reserves. Loan amounts over $1.5mil should plan for 6 months min of payment reserves
  • Jumbo loans for investment properties are available, starting at 80% loan-to-value
  • All the guidelines apply to both purchase and rate-term refinance loans. Contact us about cash-out refinance options

Questions? Please connect with us 7 days a week by calling Ph: 800-962-0677 or just submit the Quick Contact form on this page.

Assisting home buyers across the U.S. including Maryland – Baltimore, Columbia, Germantown, Silver Spring, Waldorf, Ellicott City, Glen Burnie, Frederick, Dundalk, Rockville, Gaithersburg, Bethesda, Towson, Bowie, Aspen Hill, Wheaton MD

COUNTY STATE 1-UNIT 2-UNIT  3-UNIT  4-UNIT
ALLEGANY COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
ANNE ARUNDEL COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
BALTIMORE COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
CALVERT COUNTY MD  $      1,209,750  $      1,548,975  $      1,872,225  $      2,326,875
CAROLINE COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
CARROLL COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
CECIL COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
CHARLES COUNTY MD  $      1,209,750  $      1,548,975  $      1,872,225  $      2,326,875
DORCHESTER COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
FREDERICK COUNTY MD  $      1,209,750  $      1,548,975  $      1,872,225  $      2,326,875
GARRETT COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
HARFORD COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
HOWARD COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
KENT COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
MONTGOMERY COUNTY MD  $      1,209,750  $      1,548,975  $      1,872,225  $      2,326,875
PRINCE GEORGE’S COUNTY MD  $      1,209,750  $      1,548,975  $      1,872,225  $      2,326,875
QUEEN ANNE’S COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
ST. MARY’S COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
SOMERSET COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
TALBOT COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
WASHINGTON COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
WICOMICO COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
WORCESTER COUNTY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250
BALTIMORE CITY MD  $         806,500  $      1,032,650  $      1,248,150  $      1,551,250