For 2026, FHA loan limits in White-Oak, situated in Montgomery, MD, are $822,375 for single-family homes, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
The cap on conventional loans for a single-family home is $822,375, followed by $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four units.
Leverage our FHA calculator to view today's prime FHA rates and compute necessary downpayment, income requirements, credit scores, reserves, and needed documentation for qualification.
The Lendersa® calculator offers a comparison of FHA rates and terms with other loan programs. Evaluate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
With Lendersa®, you receive fast comparisons tailored to your financial profile, using data from thousands of lenders.
The 2026 Loan Limits Comparison Table for White-Oak, Montgomery, MD helps you compare maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an in-depth comparison of qualification needs like income, reserves, and credit.
| 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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