In 2026, the FHA loan limits in Silver-Spring county, falling under Montgomery, MD, have been set at $822,375 for a single-family home. For 2-unit buildings, the limit is $1,053,000, moving to $1,272,750 for 3-unit residences, and reaching $1,581,750 for homes with 4-units.
Regarding conventional loans, the highest amount available for a single-family residence is $822,375. For two-unit homes, the limit goes up to $1,053,000, increases further to $1,272,750 for three units, and tops out at $1,581,750 for properties with four units.
You can utilize our FHA calculator to discover today's optimal FHA rates, helping you determine the necessary downpayment, as well as the required income, credit score, reserve details, and documents for qualification.
The Lendersa® calculator provides functionality to compare FHA rates and terms against all other loan programs. It facilitates comparisons of options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles comprehensive loan program data sourced from thousands of lenders, allowing efficient comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Silver-Spring, within Montgomery, MD, provides insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements for income, reserves, and credit scores.
| 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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