Montgomery County loan limits 2026Maryland: FHA, VA and conforming

Montgomery County, Maryland's 2026 conforming limit of $1,249,125 is the highest of 24 counties in Maryland. 5 counties in Maryland are above the baseline, up to $1,249,125. Nationally the one-unit limit runs from $832,750 to the $1,249,125 high-cost ceiling, higher in Alaska and Hawaii.

FHA: Montgomery County, Maryland's $1,249,125 is the highest in Maryland, and 12 counties of 24 in Maryland are above the floor (state range $541,287 to $1,249,125).

Every county of a metropolitan area gets the same conforming limit. Montgomery County, Maryland shares its limit with District of Columbia, DC, Charles County, Frederick County, Prince George's County, Arlington County, VA, Clarke County, VA, Culpeper County, VA, Fairfax County, VA, Fauquier County, VA, Loudoun County, VA, Prince William County, VA, Rappahannock County, VA and 10 more counties.

HUD's median home price for Washington-Arlington-Alexandria, DC-VA-MD-WV is $1,198,000; 115 percent of it exceeds the $1,249,125 ceiling, so the ceiling applies. HUD sets FHA limits by metropolitan area and county; Montgomery County, Maryland is in HUD's Washington-Arlington-Alexandria, DC-VA-MD-WV area.

For 2026, HUD's national floor is $541,287 (65 percent of the $832,750 conforming limit) and the ceiling is $1,249,125 (150 percent), with a higher ceiling in Alaska, Hawaii, Guam and the U.S. Virgin Islands. The statute caps a one-family FHA loan at 115 percent of the area median, within those bounds (12 U.S.C. 1709(b)(2)).

Since January 1, 2020, there are no county loan limits for veterans with full VA home loan entitlement. County limits still apply to veterans who have used entitlement and not restored it. For them VA uses FHFA's one-unit conforming limit, $1,249,125 in Montgomery County, Maryland for 2026, even when buying a 2 to 4 unit property.

VA's method: remaining entitlement is 25 percent of the county limit minus the entitlement already used and not restored. With $50,000 in use: $312,281.25 minus $50,000 is $262,281.25. VA loans are often pooled in securities that require a 25 percent guaranty, so without a down payment lenders often limit the loan to four times the remaining entitlement: $1,049,125 here. The county limit does not apply to an Interest Rate Reduction Refinance Loan (IRRRL): above $144,000, VA guarantees 25 percent of an IRRRL regardless of entitlement (VA Circular 26-25-10).

HeritageDeed does not search title records in Montgomery County yet; the counties it covers are listed under title search coverage, where a title report is $49 per report. For any US address, the Environmental Records Report lists Superfund, hazardous waste, leaking tank and brownfield sites nearby, with the flood zone.