FHA loan limits and USDA eligibility for ZIP 20777 — Highland, MD

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks unlikely here, so FHA is listed first.

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2026 FHA loan limits

Howard County

1-unit

$747,500

2-unit

$956,950

3-unit

$1,156,700

4-unit

$1,437,500

Montgomery County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

This ZIP lists more than one county cap. The property address picks the county on the loan.

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USDA property eligibility

Likely not eligible

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Howard County

1–4 person household income limit

$153,550

5–8 person household income limit

$202,700

  • Howard County (Primary): $153,550 / $202,700
  • Montgomery County: $153,550 / $202,700

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Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

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Loan options for 20777

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.

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FAQ for ZIP 20777

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