FHA Loan Limits in Montgomery County, Virginia (2026)
Buying in Montgomery County or elsewhere in Montgomery County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Montgomery County, from Montgomery County outward, and sit alongside the limits set for neighboring Fairfax and Loudoun Counties.
FHA affordability around Montgomery County
With Montgomery County's median sale price estimated near $437,000 (think Montgomery County), the FHA down payment is roughly $15,295. Factoring Virginia property taxes near 0.82%, expect about $3,251 monthly, pointing to income near $126,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Montgomery County
Whether you are buying in Montgomery County or a smaller Montgomery County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $315,000 | $11,025 | $2,376 |
| Local median — $437,000 | $15,295 | $3,251 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Montgomery County too — get notified.
In Montgomery County and the surrounding Montgomery County market, FHA's appeal is the math: $15,295 down on a $437,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Montgomery County
Investors and house-hackers in Montgomery County and across Montgomery County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Montgomery County for 2026?
- In Montgomery County (Montgomery County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Montgomery County with FHA?
- For a median-priced ($437,000) Montgomery County home, plan on income around $126,000 at a 31% housing ratio — about $3,251/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Montgomery County?
- 3.5% with a 580+ score — roughly $15,295 on a $437,000 Montgomery County-area home. Gift funds are allowed.
- Is Montgomery County a high-cost FHA area?
- No — Montgomery County uses the $541,287 national floor for one unit.