For 2026, the FHA loan limits in Damascus county of Montgomery, MD, are as follows: $1,089,300 for single-family homes, $1,394,775 for two-unit residences, $1,685,850 for three-unit properties, and $2,095,200 for four-unit buildings.
Regarding conventional loans, the maximum for a single-family house is $1,089,300. For homes with two units, it's $1,394,775, three units have a cap of $1,685,850, and the limit for four-unit residences is $2,095,200.
Our FHA calculator can be used to view current FHA rates. Determine qualifications in terms of downpayment, income, credit, reserves, and the necessary documents for approval.
Utilize the Lendersa® calculator to compare FHA loan rates and terms with every other loan program available. Investigate and juxtapose FHA with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly pulls data from a vast network of lenders, providing rapid analysis tailored to your distinct financial situation.
The Loan Limits Comparison Table for 2026 in Damascus county, Montgomery, MD, allows comparison of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further compare criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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