FHA VS Conventional loan programs in Ellicott-City, Howard County, Maryland

In 2025, the maximum Conventional loan limit for Ellicott-City in Howard county, MD, stands at $647,200, whereas the FHA cap for a single-family home reaches $583,050.

Utilize the Lendersa® Conventional loan calculator to compare today's most favorable rates for Conventional, FHA, and USDA loans. Evaluate the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator allows you to examine side-by-side Conforming Conventional, USDA, FHA, and VA loans, assisting you in choosing the best program in MD for your particular financial needs.

Review loan offers from 100 distinct lenders

2025 Loan Limits and Downpayment Guidelines in Ellicott-City, Howard County, MD

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

This chart applies to the following zip codes: 21042, 21043, 21041

Diverse Conventional and FHA Loan Programs in Ellicott-City, MD

The mission of Lendersa® is to facilitate access to the ideal Conventional, USDA, or FHA loan promptly and without unnecessary hurdles. Start by selecting one of three pathways that link you with compatible lenders and loan programs.

Visual display of Lendersa USDA loan requests and results


  • American Prime Lending, Inc.
  • 18000 Studebaker Road, Suite 700, Cerritos, CA, 90703
  • American Prime Lending, Inc are a mortgage company based in Irvine and Cerritos California devoted to providing excellent service to our community of homeowners and future homeowners through our commitment to integrity and personalized mortgage solutions to all our clients. Whether you're a first-time homebuyer.
  • Brooklyn Financial Mortgage Services
  • 17785 Center Ct Dr N, Suite 660, Cerritos, CA, 90703
  • At Brooklyn Financial Mortgage Services we put the borrower first. You’re a person. Not a number, and certainly not just another loan. You’re also unique, and you’re searching for the best loan for your personal financial situation. As part of our world-class service, we build the right mortgage for you at the best overall cost.
  • Mueller Dan
  • 12750 Center Court Drive, Suite 290, Cerritos, CA, 90703
  • Citywide Home Loans was founded on December 7, 1998 by Steven J. Goorman as Citywide Funding. His entrepreneurial, dynamic, and determined style has grown the small broker company of just 5 employees to the large corporation it is today. Even though Citywide Home Loans now employs nearly 800 employees and covers more than 37 states
  • Mortgage Mart, Inc.
  • 10925 West Lake Joy Drive North East, Carnation, WA, 98014
  • We’re not your typical mortgage broker! We're user friendly and in it for the long haul. We have been serving our clients for the past 26 years — so we can work for you and what’s in your interest. Our team concept allows you to talk with any of our representatives — someonAe is always ready to help you.
  • Diversified Financing solutions
  • 16152 Beach Blvd, Suite 120, Huntington Beach, CA, 92647
  • Unlock your financial potential with Diversified Financing Solutions, spearheaded by Kip Adkins. Our mission is tailored financial strategies to ensure your business thrives. We offer unique, client-focused solutions designed to drive growth and efficiency. Connect with us to elevate your financial future.
  • First Allied Financial
  • 16162 Beach Blvd, Suite 250, Huntington Beach, CA, 92647
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • ACG Lending
  • 16152 Beach Boulevard, Suite 131, Huntington Beach, CA, 92647
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Professionals Mortgage Group
  • 17011 Beach Boulevard, Suite 230, Huntington Beach, CA, 92647
  • At Professionals Mortgage Group. We are a full-service mortgage company based in Huntington Beach, CA. We specialize in Mortgage Loans and Refinance Loans in Huntington Beach, Seal Beach, Fountain Valley, Westminster, Long Beach, and Santa Ana. We also serve the surrounding cities in Orange County.
  • OCRealtorDirect
  • 17011 Beach Blvd, Suite 900, Huntington Beach, CA, 92647
  • OC Realtors to help find your dream home in the city you are looking People are often treated like a statistic when shopping for a mortgage. This creates poor communication & response time, jeopardizing your dream of home ownership. A broker who will treat you like a business partner and guide you through the process is rare.
  • Lendingwide Inc.
  • 16162 Beach Boulevard, Suite 304, Huntington Beach, CA, 92647
  • Lendingwide is a full service lender in providing mortgage banking resources for real estate loans that offers competitive rates in today's market. At Lendingwide, we are committed to provide quality lending products and services that create trust by achieving superior customer satisfaction.
  • Ameristar Capital Mortgage Inc.
  • 7755 Center Ave, 11th Floor, Huntington Beach, CA, 92647
  • Ameristar Capital Mortgage Inc., where we specialize in residential mortgages. At Ameristar Capital Mortgage Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • AMALI Capital Funding Corporation
  • 16785 Beach Boulevard, Suite A, Huntington Beach, CA, 92647
  • Amali Capital Funding is a mortgage brokerage located in Huntington Beach, California. As a wholesale brokerage, we are able to compare rates from big-name lenders such as Quicken Loans, LoanDepot, United Wholesale Mortgage, JMAC, etc. and provide the best market rate to our clients. We also offer many programs for first-time buyers.