Mortgage lender in Prince George's County, MD

Buying in Prince George's County

Prince George's County, with its county seat in Upper Marlboro, takes in Bowie, Laurel, College Park, Hyattsville, Greenbelt, Clinton and Upper Marlboro. Prince George's 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. Prince George's County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Prince George's 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.

Prince George's County: the more attainable side of the Washington suburbs

Prince George's County wraps around the eastern side of Washington, and for many buyers priced out of Montgomery County and Northern Virginia it is where a first home becomes possible. Bowie, Upper Marlboro, Largo and Mitchellville are established single-family and townhouse markets; Laurel, Greenbelt, College Park and Hyattsville along the Green Line and Route 1 serve the University of Maryland and federal employers at Goddard, NOAA and the USDA research center; and Clinton, Fort Washington and Brandywine to the south sit near Joint Base Andrews.

The county is part of the Washington high-cost area, so the FHFA ceiling applies to conforming loans even though prices here are generally well below that figure, which means nearly every purchase fits within conforming guidelines. FHA is heavily used in the county, and VA financing is a large share of our business near Andrews. Older housing in the inside-the-Beltway neighborhoods brings the usual condition items into an FHA appraisal, and the county's many townhouse and condominium communities bring association documents into the approval.

Steve Umansky, NMLS #61764, is our licensed Maryland originator and handles Prince George's County files personally from our Southampton, Pennsylvania office, with the closing at a Maryland title company. Stellar is not currently a participating lender for the Maryland Mortgage Program's bond and assistance products; we offer conventional, FHA and VA financing here and will point you to the state program, or to the county's own first-time buyer programs, when one is the better fit.

Prince George's County by the numbers

Median home value

$426,000 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.12% of home value a year: median tax bill $4,771 on a median value of $426,000 (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

Bowie, Clinton, Chillum, College Park (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $426,000. 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 Prince George's County buyers ask

Conforming limit shown is the 2026 FHFA figure for Prince George's 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.