During 2026, the FHA loan limits for North-Kensington county in Montgomery, MD are defined as follows: for a single-family home, the limit is $822,375. For properties with 2-units, the cap is $1,053,000; for those with 3-units, it is $1,272,750; and for 4-units, the maximum is $1,581,750.
The conventional loan limits on a single-family residence are set at $822,375, increasing to $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Utilizing our FHA calculator, you can view today's most competitive FHA rates and determine essential details such as the down payment, income requirements, credit, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with those of other loan programs. You can explore and compare Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans all alongside FHA.
Lendersa® aggregates detailed loan program data from thousands of lenders, rapidly matching it to your unique financial profile and specific needs.
Check the Loan Limits Comparison Table for 2026 in North-Kensington county of Montgomery, MD, which provides comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans' maximum amounts. For insights into qualification requirements, including income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™), tailored to compare crucial financial criteria.
| 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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