For 2026, FHA loan limits in Gaithersburg county, which is located in Montgomery, MD, are set at $1,089,300 for a single-family dwelling. For homes with 2-units, the limit is $1,394,775, for 3-units, it goes up to $1,685,850, and for 4-unit residences, the cap is $2,095,200.
The maximum loan that can be borrowed through conventional loans for a single-family residence is $1,089,300. For two-unit homes, it increases to $1,394,775, for three units, it is set at $1,685,850, and for those with four units, the amount is $2,095,200.
Use our FHA calculator to check today’s leading FHA rates, calculate the necessary downpayment, and determine required income, credit, reserves, and documentation to qualify.
The Lendersa® calculator enables a comprehensive comparison of FHA rates and terms alongside all other loan programs. Dive into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, in conjunction with what FHA offers.
Lendersa® amasses extensive loan program data from thousands of lenders, quickly matching it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Gaithersburg county under Montgomery, MD, offers a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan ceilings. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification necessities like income, reserves, and credit.
| 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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