In the year 2025, the FHA loan limit for Clarksburg county, which is part of Montgomery, MD, stands as follows: a cap of $1,089,300 is enforced for single-family homes. For duplexes, the limit extends to $1,394,775. If you own a triplex, the limit increases to $1,685,850, and finally, for four-unit properties, the maximum is $2,095,200. This tiered approach ensures borrowers are provided with ample financial support to match their property type, reflecting the varying scales of investment and housing availability in the area.
On the other hand, conventional loan maximums are set as follows: for a single-family residence, the highest loan available is $1,089,300. For properties accommodating two units, it peaks at $1,394,775. If your interest lies in a three-unit building, the maximum is defined at $1,685,850, whereas for four-unit residences it reaches $2,095,200. These limits reflect the greater flexibility within conventional lending structures, allowing for considered property investment and ownership.
Leverage our FHA calculator to discover today’s most advantageous FHA rates. Additionally, this tool will help you ascertain essential financial requirements, including downpayment, income criteria, credit obligations, reserves, and the necessary documentation for qualification. By doing so, this tool equips you with a comprehensive understanding of your eligibility, streamlining your path towards securing competitive FHA financing and preparing you to tackle the nuanced steps of the mortgage process with confidence.
Explore a wide range of loan offers from over 100 lenders, presenting a broad perspective on available lending opportunities to meet your financial objectives.
The Lendersa® calculator empowers you to conduct thorough comparisons between FHA rates and terms and a vast selection of other loan programs. This comprises Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. By doing so, you can comprehensively evaluate the multitude of options against the FHA standard to pinpoint the best suited to your financial strategy.
Drawing on an extensive repository of loan program data from thousands of lenders, Lendersa® conducts rapid and efficient analysis, aligning data to your particular financial profile and requirements. This data-driven approach ensures personalized recommendations, aiding in selecting the most fitting loan avenue for your financial scenario.
The Loan Limits Comparison Table for the year 2025 in Clarksburg county, part of Montgomery, MD, provides a detailed juxtaposition of maximum loan amounts across different types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use this comprehensive resource to benefit from clarity in comparing different loans and qualification requisites, such as income, reserves, and credit. Test out the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a deep dive into qualification conditions.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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