FHA VS Conventional loan programs in Cumberland, Allegany County, Maryland

In 2025, the Conventional loan limit in Cumberland, which is located in Allegany county, MD, is $726,200, whereas the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to analyze and compare today's top rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator presents side-by-side evaluations of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the most suitable program in MD for your financial circumstances.

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2025 Loan Limits and Downpayment Criteria in Cumberland, Allegany County, MD

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to zip codes: 21502, 21501, 21503, 21504, 21505

Conventional and FHA Loan Opportunities in Cumberland, MD

The objective of Lendersa® is to promptly provide the best Conventional, USDA, or FHA loan without hassle. Choose from three pathways that connect you with suitable lenders and loan programs.

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  • Allstate Home Mortgage
  • 6329 Kutcher Lane, Eden Prairie, MN, 55341
  • At Allstate Home Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Ferguson Federal Credit Union
  • 1026 E Broad Street, Monticello, MS, 39654
  • Chartered in 1968 at what was formerly St. Regis (now Georgia Pacific), and operating in a small vacant office, organized as a cooperative to offer better financial services to those employees of the mill. As we grew, we established a stand-alone branch right outside of the mill and were able to offer services to others in the community
  • Creative Mortgage Lenders
  • PO Box 76482, Saint Petersburg, FL, 33734
  • Our company offers purchase home loans and refinance mortgage loan products tailored to fit your specific needs. If you're searching for a purchase mortgage or refinance loan, we can help you! Find answers quickly, browse through the helpful information, use the online calculators, answer a few questions.
  • Today’s Bank
  • 432 Madison 1650, Huntsville, AR, 72740
  • Today’s Bank, commitment to our customers by providing a strong, stable and secure banking experience has been our promise since we opened our doors over 30 years ago. This commitment to individuals, families and businesses in our communities throughout Northwest Arkansas and the Arkansas River Valley is delivered everyday through personal service,
  • SM Federal Credit Union
  • 6029 Broadmoor Street, Mission, KS, 66202
  • SM Federal Credit Union was founded on September 15, 1960, under the name of SM Postal Federal Credit Union. We started in the basement of the Main Shawnee Mission Post Office, where we still reside today. On January 31, 1974 our charter was amended to include Federal Aviation Administration employees in Olathe.
  • First Fidelis
  • 6025 Metcalf Ln, Suite, Suite 210A, Overland Park, KS, 66202
  • At First Fidelis, LLC, we know that buying a home is a big decision, and we understand how important it is to choose the loan that’s right for you. As a premier low interest refinance lender in Kansas City, First Fidelis was founded by Lance Richards, whose mission was to offer all our clients the best loans available.
  • Crossroads Investment Lending
  • 7803 Shawnee Mission Parkway, Mission, KS, 66202
  • Crossroads Investment Lending provide short-term funding for real estate investments in the Kansas City Metro. We provide the bridge funding so you, the investor, can buy and rehab and sell more properties One of the most difficult hurdles for todays real estate investors is to obtain funding for the purchase and rehab of their residential inves
  • Arkansas Superior Federal Credit Union
  • 313 South Martin St, Warren, AR, 71671
  • Arkansas Superior Federal Credit Union has been serving its members since 1957. During that time, we have prided ourselves in offering personal, friendly, and efficient service. Our Credit Union is a non-profit organization, owned and operated by its members, people just like you.Credit Union has been serving its members since 1957.
  • Citizens Bank Columbia
  • 814 Main Street, Columbia, MS, 39429
  • Citizens Bank can trace its origins back to 1913, when Henry and Sallie Rankin acted on their belief that the Columbia area needed a bank that could be responsive to the financial needs of individuals and businesses within their community. Twenty-four original shareholders raised $35, 000 in capital to form the Bank.
  • The Bank of Elk River
  • 630 Main Street, Elk River, MN, 55330
  • The Bank of Elk River is a community bank that has been family-owned and operated since 1885. Founded with a vision of being strong, loyal and innovative - a tradition we still honor today - we are committed to providing our customers with great service, convenient products and an overall better banking experience.