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First-time home buyer programs in Rosedale, MD

Quick answer

First-time buyers in Rosedale, MD can use 3%-down conventional loans (up to the $832,750 Baltimore County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 2 verified city, county or statewide assistance programs. On the $264,900 median home, 3% down is about $7,947 and the estimated payment is $2,201/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $83,957; value-to-income ratio 3.16. Rosedale ranks 122 by home value and 68 by population among 138 places in our MD dataset.

What does a first-time buyer loan cost on a typical Rosedale home?

ItemRosedale
Median home value (Census ACS)$264,900
Maryland median home value$397,700
Down payment (3%)$7,947
Loan amount$256,953
Estimated monthly payment (PITI + MI)$2,201
Income needed (28% / 36%)$95,000 / $74,000
Baltimore County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Maryland's 1.00% effective property tax rate (Census ACS), $1,578/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Rosedale?

Rosedale is in Baltimore County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $747,500.

The Rosedale median home value of $264,900 is 33% below the Maryland median, and within what the county limit supports.

Which down payment assistance programs can Rosedale buyers use?

First-time buyer loans in nearby cities

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First-time buyer loan FAQs for Rosedale

On the $264,900 median: 3% conventional ≈ $7,947, 3.5% FHA ≈ $9,272, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Baltimore County become jumbo loans.

At the $264,900 median value (below the Maryland median of $397,700), the estimated payment of $2,201/month at 7.18% needs about $95,000 a year under the 28% housing guideline, or $74,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.