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Jumbo loans in Maryland

Quick answer

Jumbo loans in Maryland are needed for loan amounts above $832,750 (higher in designated high-cost counties) and typically require 10%–20% down and 700+ credit.

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

Jumbo loan snapshot for Maryland

ItemEstimate
Minimum down payment10%–20%
Minimum credit score700+
Typical MD home value$397,700
3.5% down on typical home$13,920
20% down on typical home$79,540
Avg. effective property tax1.00%/yr (~$332/mo)
Income for typical home (31% rule)$126,000

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

Which Maryland programs pair with Jumbo loans?

  • 1st Time Advantage: Fixed-rate loans for first-time buyers with down payment assistance options.
  • Partner Match: Matching assistance funds from participating employers, counties and builders.

Details and current limits: Maryland Mortgage Program (DHCD).

Jumbo loan requirements

  • Credit: 700–720 minimum at many lenders.
  • DTI: often 43% or lower.
  • Reserves: 6–12+ months of principal, interest, taxes and insurance.
  • Full documentation; sometimes two appraisals for very large loans.

Alternatives to a jumbo loan

Some buyers use a 'piggyback' structure — a conforming first mortgage plus a second loan — to avoid jumbo requirements. A larger down payment that brings the loan under the conforming limit is another option.

Jumbo loans in Maryland cities

Jumbo in Ellicott CityJumbo in BethesdaJumbo in PotomacJumbo in AnnapolisJumbo in Severna ParkJumbo in CroftonJumbo in North PotomacJumbo in ArnoldJumbo in ParoleJumbo in Annapolis NeckJumbo in TravilahJumbo in Scaggsville

Frequently asked questions

Yes. Jumbo loans are available statewide in Maryland through approved lenders, subject to county loan limits where they apply.

Often yes. Maryland Mortgage Program (DHCD) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Maryland.

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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.