In 2026, the FHA loan limit in Rockville county within Montgomery, MD, is $1,089,300 for a single-family home. For residences with 2-units, the limit is $1,394,775, for 3-units, it is set at $1,685,850, and for homes with 4-units, the cap reaches $2,095,200.
The maximum borrowing amount for conventional loans on a single-family residence is $1,089,300. For two-unit properties, the limit is $1,394,775, for three units it is $1,685,850, and for four-unit buildings, it goes up to $2,095,200.
Our FHA calculator lets you view the top FHA rates today, calculate the necessary downpayment, and assess requirements for income, credit, reserves, and documentations to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans beside FHA rates.
Lendersa® collects information from thousands of lenders, quickly aligning it against your unique financial profile and needs.
For 2026, the Loan Limits Comparison Table in Rockville county of Montgomery, MD, helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs 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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