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The maximum speed you can reach is also known as terminal velocity and this is the speed at which your mass is resisted by the air. Typically in a belly to earth body position, this is around 120mph. It takes around 10 seconds to reach this speed. The minimum exit height is 2500ft and would not reach this terminal velocity before they need to deploy their parachute. Most skydivers jump from a lot higher - between 10,000ft and 15,000ft. This gives them a freefall time of over 45 seconds and therefore they reach terminal velocity.

Once the parachute is open, the decent rate is less than 10mph, so no you do not hit the ground at maximum speed in answer to your question.

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