FHA VS Conventional loan in Annapolis-Neck, Anne Arundel County, Maryland

In 2026, the Conventional loan limit in Annapolis-Neck, located in Anne Arundel county, MD, is $647,200. The FHA limit for a single-family home is $583,050.

Use the Lendersa® Conventional loan calculator to evaluate today's best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify. This advanced mortgage calculator lets you compare Conforming Conventional loans, USDA, FHA, and VA side by side to select the best program for your financial circumstances in MD.

See loan offers from over 100 lenders

Loan limits and downpayment requirements for 2026 in Annapolis-Neck, Anne Arundel county, MD

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $430,500 0%
FHA $583,050 3.5%

This table applies to zip codes: 21403

Available Conventional and FHA loan options in Annapolis-Neck, MD

Lendersa® is dedicated to securing you the most favorable Conventional, USDA, or FHA loan swiftly and with ease. Choose one of three paths that match you with compatible lenders and loan options.

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Annapolis-Neck Lenders

  • Admiral Mortgage Services LLC
  • 3456 Monarch Drive, Edgewater, MD, 21037
  • Lends in Maryland
  • Admiral Mortgage Services was designed by loan officers for the benefit of the consumer. Our cutting-edge technology and strategic business relationships allows our customers access to all Conventional Financing options, as well as FHA, VA, USDA and more and even several great options for our self-employed customers

  • Universal Mortgage & Finance
  • 3158 Braverton Street, Suite 204, Edgewater, MD, 21037
  • Lends in Maryland
  • Universal Mortgage & Finance, Inc. is a direct lending institution and we pride ourselves on making your needs our top priority because we're committed to building long-lasting relationships in the communities we serve. For two decades, we have successfully facilitated the financial service needs of people .

  • BlackWater Funding
  • 403 Fairlea Drive, Edgewater, MD, 21037
  • Lends in Maryland
  • BLACKWATER FUNDING PROVIDES QUICK COMMERCIAL REAL ESTATE LOANS & CAPITAL FOR INVESTORS & OWNERS OF OWNER-OCCUPIED PROPERTIES. WE ALSO OFFER LOANS FOR UNIQUE PROPERTIES: (CHURCHES, CAR WASHES, MOBILE HOME PARKS, GAS STATIONS,CHILDHOOD CARE, AUTO REPAIR SHOPS, SELF STORAGE,LAND, ETC.)

  • Navigator Private Capital
  • 1910 Towne Centre. Blvd Suite 250, Annapolis, MD, 21401
  • Lends in Maryland
  • Offering a better alternative to hard money, Navigator Private Capital, LLC (NavCap) has reimagined private real estate lending—making it accessible to real estate investors at all experience levels. As private money lenders, we fund short- and long-term low-risk development projects nearly nationwide including fix-and-flip, DSCR, bridge, and new c

  • Severn Bank
  • 200 Westgate Circle, Suite 200, Annapolis, MD, 21401
  • Lends in Maryland
  • We are a community bank located in Anne Arundel County offering full-service banking including residential lending, commercial banking, and personal banking. Our mission is to enhance our community by investing in the climate, culture, commerce, and people of the Chesapeake Bay region.

  • South River Mortgage
  • 1 Park Place, Suite 540, Annapolis, MD, 21401
  • Lends in Maryland
  • At South River Mortgage we put our customers first. We are a trustworthy broker who will help our senior citizens find the best reverse mortgage plan to benefit their unique situation. Unlike a lender, we will compare different options that best fit our borrower’s needs. It is our goal is to give seniors the peace of mind

  • Bay Rock Home Loans LLC
  • 839 Bestgate Road, Suite 131, Annapolis, MD, 21401
  • Lends in Maryland
  • BlackRock Home Loans works with a strong portfolio of private lenders that help borrowers with unique financial situations to provide them with niche lending products that meet their needs. There are great products available for borrowers who can't qualify for loans with traditional documentation.

  • Heritage Financial, Inc.
  • 175 Admiral Cochrane Dr, Suite 101, Annapolis, MD, 21401
  • Lends in Maryland
  • At Heritage Financial, we are committed to putting our clients first and to find the best loan to finance your home.

    Heritage Financial is a full-service, residential lender, licensed in Washington D.C., Maryland and Virginia. Our experienced loan officers will guide you through the entire mortgage process.

  • Redwood Mortgage Services
  • 180 Admiral Cochrane Dr., Annapolis, MD, 21401
  • Lends in Maryland
  • Established, in 1999, Redwood Mortgage Services is a full-service mortgage lender that has served thousands of clients in Maryland, Virginia, District of Columbia, Delaware and Florida. From day-one, we have been providing exceptional customer service while exceeding the industry's critical regulation standards.