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.
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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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