2026 loan limits
Gaithersburg, MD loan limits: 2026 conforming and FHA context
How 2026 conforming and FHA loan-limit figures organize conventional, jumbo, and FHA questions without determining eligibility.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
Gaithersburg, MD is connected to Montgomery County for this 2026 source comparison. For the decision at hand, the published one-unit conforming limit is $1,249,125, while the published one-unit FHA limit is $1,249,125. Those figures organize different program categories; $1,249,125 is not a conventional loan offer, and $1,249,125 is not an FHA eligibility finding. For Gaithersburg, MD, starting with Montgomery County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Gaithersburg, MD still need to confirm the selected property's location and legal unit count, because the relevant Montgomery County row follows the property instead of the city label or mailing address alone. Around Gaithersburg, MD, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Montgomery County as Gaithersburg, MD's confirmed county row before comparing the $1,249,125 and $1,249,125 program boundaries.
In borrower planning for Gaithersburg, MD, Montgomery County's conforming limit rises from $1,249,125 for one unit to $2,402,625 for four units, while the FHA figures move from $1,249,125 to $2,402,625.