Montgomery County buyers may have access to down payment and closing-cost help through HOC and Maryland Mortgage Program options. Here is what is available as of September 2026.
Veterans with full entitlement do not have a VA-imposed county loan limit, but qualification, appraisal and lender requirements still apply. Review the current funding fees and exemptions.
The Maryland HomeCredit Mortgage Credit Certificate program is closed to new reservations. Existing MCC holders may still be able to have a certificate reissued after refinancing.
FHFA increased the 2026 one-unit conforming loan limit to $832,750, with a high-cost ceiling of $1,249,125. See how county limits affect conventional and VA financing.
