Mortgage lender in Carroll County, MD

Buying in Carroll County

Carroll County, with its county seat in Westminster, takes in Westminster, Eldersburg, Hampstead, Mount Airy and Taneytown. Carroll County files are handled personally by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Maryland, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$747,500 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

title company or attorney

State housing agency

Maryland Mortgage Program (Maryland DHCD) (not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Carroll County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Carroll County. Loans above it are jumbo, which means tighter reserves and different pricing.

Carroll County: Westminster and farm country

Carroll County sits northwest of Baltimore. Westminster is the county seat; Eldersburg and Sykesville, at the southern end, are the main commuter suburbs; Hampstead, Manchester and Taneytown are small towns; and Mount Airy straddles the Frederick County line.

Buyers in the south end often work in Baltimore, Columbia or the Washington suburbs. Outside the towns, most homes use a private well and septic system, which FHA, VA and USDA appraisals look at closely. Farmland here is often under an agricultural preservation easement, and larger parcels with barns change how the appraisal is done and which loan types fit, so tell us about acreage at the start. Parts of the county fall inside the USDA eligibility map, which we check by address.

Carroll County by the numbers

Median home value

$434,000 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.91% of home value a year: median tax bill $3,934 on a median value of $434,000 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State transfer tax of 0.5% of the price; county recordation tax is separate and varies (Maryland Code, Tax-Property § 13-203)

Largest communities

Eldersburg, Westminster, Taneytown, Mount Airy (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $434,000. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $747,500.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Maryland

Closings in Maryland are typically handled by a title company or attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Maryland page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Carroll County buyers ask

Conforming limit shown is the 2026 FHFA figure for Carroll County. FHA limits and state agency caps are set by HUD and Maryland Mortgage Program (Maryland DHCD) and change periodically. Verify on the official source. Not a commitment to lend.