In 2026, the FHA loan limits in Ashton-Sandy-Spring county of Montgomery, MD are as follows: $822,375 is the cap for a single-family home; for a property with 2-units, the limit is $1,053,000; for 3-unit structures, it extends to $1,272,750; and for those with 4-units, the highest allowable is $1,581,750.
For conventional loans, the maximum loan amounts are set at $822,375 per single-family residence, $1,053,000 for homes comprising 2-units, $1,272,750 for those with 3-units, and $1,581,750 for 4-unit residences.
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The Lendersa® calculator provides the facility to directly compare FHA rates and terms with those available through an array of other loan programs. Conduct a thorough exploration and comparison of options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® compiles extensive loan program data from thousands of lenders and quickly matches it with your financial profile and needs, offering instant comparisons and insights.
Refer to the Loan Limits Comparison Table for 2026 in Ashton-Sandy-Spring county of Montgomery, MD, which enables a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. To scrutinize qualification requirements such as income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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