In 2026, the FHA loan limit set for Germantown county within Montgomery, MD, stands at $1,089,300 for a single-family residence. For homes with 2-units, the limit is $1,394,775, for 3-units, it is $1,685,850, and for 4-units, the cap is $2,095,200.
The highest allowable loan amount for conventional loans on a single-family residence is $1,089,300. For 2-unit dwellings, the maximum is $1,394,775, going up to $1,685,850 for 3-units, and for properties with 4-units, it reaches $2,095,200.
Use our FHA calculator to view the most favorable FHA rates today and compute the necessary downpayment, income, credit requirements, reserves, and documentation needed for eligibility.
The Lendersa® calculator allows you to compare FHA rates and terms against all other loan program options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA offerings.
Lendersa® aggregates comprehensive loan program data from a wide pool of lenders, quickly aligning it with your specific financial profile and needs.
Throughout 2026 in Germantown county, situated in Montgomery, MD, the Loan Limits Comparison Table allows comparisons between FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan ceilings. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze qualification criteria such as 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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