In the 2026, the FHA loan limits for Kemp-Mill county in Montgomery, MD, are set at $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for four-unit properties.
The maximum amount for conventional loans on a single-family residence is $822,375. For two-unit properties, it's $1,053,000, for three units, the amount is $1,272,750, and four-unit homes have a cap of $1,581,750.
Use our FHA calculator to check the best FHA rates available today and to calculate downpayment, income, credit, reserves, and document requirements for eligibility.
The Lendersa® calculator helps you compare FHA rates and terms with those of all other loan programs. Delve into options for Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® pulls loan program data from thousands of lenders and swiftly compares it with your personal financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Kemp-Mill county of Montgomery, MD, showing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for insights on income, reserves, and credit requirements.
| 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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