Mortgage lender in Charles County, MD

Buying in Charles County

Charles County, with its county seat in La Plata, takes in Waldorf, La Plata, Indian Head and Bryans Road. Charles 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

$1,249,125 (high-cost area)

2026 FHA limit

$1,249,125 (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. Charles County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Charles County sits inside the Washington, DC metropolitan high-cost area, so its conforming limit is the FHFA ceiling of $1,249,125 rather than the national baseline of $832,750. That matters: a loan that would be jumbo elsewhere in Maryland can still be a conforming loan here, with conforming pricing and guidelines.

Charles County: Southern Maryland’s commuter county

Charles County is the closest part of Southern Maryland to Washington. Waldorf and the planned community of St. Charles hold most of the population; La Plata is the county seat; Indian Head and Bryans Road lie to the west; and Hughesville and the southern end are rural.

Charles County is inside the Washington metropolitan high-cost area, so its conforming loan limit is higher than the national baseline, which keeps more purchases in conforming pricing. Many buyers work in Washington, at Joint Base Andrews or at the Navy facility at Indian Head, so VA loans are common and we request the Certificate of Eligibility up front. Planned communities carry association dues that count in the payment. South and east of La Plata, expect wells and septic systems.

Charles County by the numbers

Median home value

$428,500 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.01% of home value a year: median tax bill $4,339 on a median value of $428,500 (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

Waldorf, Bensville, La Plata, Bryans Road (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $428,500. The 2026 one-unit conforming loan limit here is $1,249,125 and the FHA limit is $1,249,125.

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 Charles County buyers ask

Conforming limit shown is the 2026 FHFA figure for Charles 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.