FHA VS Conventional loan in Takoma-Park, Montgomery County, Maryland
For the year 2026, the county of Montgomery in Takoma-Park, MD has a conventional loan ceiling of $970,800, whereas the FHA threshold for a single-family dwelling is $970,800.
Lendersa® provides a Conventional loan calculator enabling you to compare rates: Conventional vs. FHA vs. USDA. Discover required income, credit, reserves, and paperwork to qualify. Our advanced mortgage calculator enables side-by-side comparisons of loans like Conforming Conventional, USDA, FHA, and VA, assisting you in finding the right solution for your financial condition in MD.
Loan limits and down payment necessities for 2026 in Takoma-Park, Montgomery, MD
Loan Type
Loan Limit
Down payment
Conventional Conforming
$970,800
3%
USDA
$657,900
0%
FHA
$970,800
3.5%
The above table is applicable for the zip codes: 20912
Available Conventional and FHA loan choices in Takoma-Park, MD
Lendersa® aims to secure you the optimal Conventional, USDA, or FHA loan efficiently and easily. Begin with one of three starting options that align lenders and loan offerings with your requirements.
FedFinancial Federal Credit Union is a financial institution that operates solely for the benefit of its members. The organization offers great deals on savings accounts, checking accounts and share certificates. We also offer low-rate mortgages, auto and personal loans and Platinum Rewards VISA card that pays you a 1.5% Rebate.
Fortis Mortgage is a respected mortgage brokerage company that helps clients in Washington, DC, Maryland and Virginia get the best possible mortgage for their home-buying or refinancing dollars. Guided by the deep industry expertise of our President, Shawn Williams, we collaborate closely with clients to determine their loan eligibility, and work
4445 Willard Ave, Suite 1000, Chevy Chase, MD, 20815
Lends in Maryland
Congressional Bank also focuses on being a Certified Green Business in Montgomery County. Through our efforts we became the first bank to earn the Montgomery County Green Business Certification, and we are partners with Bethesda Green in their efforts to promote sustainability and be a “green” role model.
Pathlight Home Mortgage Solutions as a full service broker in Maryland, the District of Columbia, and Virginia, I partner with some of the best lenders to deliver residential and commercial mortgages for purchases and refinances quickly with low interest rates and low closing costs.
Signal Financial Federal Credit Union is a full-service financial institution headquartered in Kensington, Maryland. Established in 1947, Signal now operates seven full-service branch offices in the District of Columbia, Maryland, and Virginia. Membership is open to select employer groups in the area, as well as individuals who live, work.
Presidential Bank is a full service community and online bank. With branches throughout the metro DC area, we also provide broad service nationally with a robust and state-of-the-art online banking offering. A privately held, entrepreneurial organization, we are able to offer some of the highest deposit rates in the nation.
