Explore the differences! FHA VS Conventional loan programs in Gaithersburg, Montgomery County, Maryland

In 2025, Convetional loan limit in Gaithersburg, county of Montgomery, MD is $1,089,300 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in MD is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Gaithersburg, county of Montgomery, MD

Loan Type Loan Limit Down payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

The comparison table applies to zip codes: 20878, 20899, 20879, 20877, 20883, 20884, 20885, 20898

Conventional and FHA loan options in Gaithersburg, MD

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • RK Mortgage Group - Sunny Isles Beach
  • 800 SE 4th Ave Suite 139, Hallandale, FL, 33009
  • RK Mortgage Group is one of leading and innovative mortgage firms. We offer high-quality mortgage services to residential and business customers. Whether you’re a first-time home buyer or looking to refinance your existing mortgage, our competitive rates and flexible mortgage options can help you make the right mortgage decision.
  • Clear2Close Home Loans
  • 1001 N Federal Hwy #342, Hallandale, FL, 33009
  • Clear 2 Close Home Loans uses the very latest in online technology to provide you with the most competitive rates in the industry! We use a virtual platform to help keep our cost low and pass the savings onto the customer. As a home buyer, you will close faster and easier than ever before
  • RBI Mortgages
  • 1920 E Hallandale Beach Blvd, Suite 705 , Fl. United States, Hallandale, FL, 33009
  • RBI Mortgages is an investment property lender. The private lending division started in 2015 and has grown steadily ever since, funding hundreds of loans and providing exceptional service to all of our customers and RBI believes that transparency is a fundamental factor to achieve customer satisfaction.
  • Centricity Credit Union
  • 4477 Lavaque Road, Hermantown, MN, 55811
  • In 1943, people in the Hermantown community came together to create a credit union to give themselves & their neighbors a trusted, local financial solution. We proudly served members of the Duluth Homestead Association & patrons of the Hermantown Community Store. We provide financial education and banking solutions to help people understand.
  • Share Advantage Credit Union
  • 2502 Maple Grove Rd, Duluth, MN, 55811
  • Share Advantage Credit Union serves all your banking and financial needs from a Youth Savings & Checking accounts to Traditional & Roth IRAs. As a bedrock business of the Northland ourselves, we welcome business accounts. We have FREE personal Checking accounts. Youth Savings and FREE 15+ Youth Checking accounts are happily welcome.
  • LendMN
  • 5555 Quinwood Ln. N, Minneapolis, MN, 55442
  • Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Lend MN for your home loan or refinance, you can get your money and do what you want with it - usually in less than 30 days.
  • ExactLenders LLC
  • 56200 Trenton Ln, Plymouth, MN, 55442
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Best Interest Mortgage Inc
  • 5633 Strand Blvd, Suite 302, Naples, FL, 34110
  • "Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, & consideration we give to each of our clients."
  • REI Capital & Development
  • 5660 Strand Court, Naples, FL, 34110
  • "We are actively taking in and closing Investment loans during the Corona Virus Crises in spite of many Lenders stepping back and withdrawing funding till the market corrects. REI is working closely with Investors who have in house funds and have not been affected by the shutdown."
  • Today’s Bank
  • 432 Madison 1650, Huntsville, AR, 72740
  • Today’s Bank, commitment to our customers by providing a strong, stable and secure banking experience has been our promise since we opened our doors over 30 years ago. This commitment to individuals, families and businesses in our communities throughout Northwest Arkansas and the Arkansas River Valley is delivered everyday through personal service,