In the year 2026, the FHA loan limits in Wheaton county, located in Montgomery, MD, are as follows: $1,089,300 for a single-family home, $1,394,775 for 2-unit properties, $1,685,850 for 3-unit residences, and $2,095,200 for those with 4 units.
The conventional loan maximum for a single-family home is $1,089,300, while for 2-unit homes, it reaches $1,394,775. The limit increases to $1,685,850 for 3-units and caps at $2,095,200 for 4-unit properties.
Use our FHA calculator to discover today’s most favorable FHA rates, calculating the necessary downpayment and evaluating requirements for income, credit, reserves, and documents for qualification.
The Lendersa® calculator is designed to facilitate the comparison of FHA rates and terms with various other loan programs. Assess distinct options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans compared to FHA.
Lendersa® efficiently gathers extensive data from numerous lenders, performing quick comparisons against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 within Wheaton county, under Montgomery, MD, enables you to compare 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 requirements such as income, reserves, and credit benchmarks.
| 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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