In 2026, FHA loan limits for Oak-Ridge-North county within Montgomery, TX are defined as $356,362 for a single-family home. The limit for 2-units stands at $456,275, ascending to $551,500 for 3-units, and reaching $685,400 for 4-units.
For conventional loans, the maximum amounts are set at $548,250 for a single-family residence, $702,000 for properties with 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Utilize our FHA calculator to check today's leading FHA rates and assess all necessary downpayments, income qualifications, credit scores, reserves, and required documentation for qualification.
The Lendersa® calculator allows you to assess FHA rates and terms compared with other programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® sources detailed loan data from many lenders, accelerating the comparison process to suit your unique financial profile and needs.
For 2026, use the Loan Limits Comparison Table for Oak-Ridge-North county of Montgomery, TX, reviewing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. To assess criteria such as income, reserves, and credit, rely on the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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