FHA VS Conventional loan 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


  • Heartland Area Federal Credit Union
  • 6111 N 72 Street, Omaha, NE, 68134
  • Heartland Area Federal Credit Union has been open since 1954. The credit union has assets totaling $22.35 Million and provides banking services to more than 1, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • First Nebraska Credit Union
  • 10655 Bedford Avenue, Omaha, NE, 68134
  • First Nebraska Credit Union is a member-owned, not-for-profit financial cooperative. We offer many of the same services you find at other financial institutions, however we are motivated by service rather than profit. Our focus is “People Helping People” and our goal is to strengthen the financial well-being of our members.
  • Exchange Bank.
  • 8008 W. Dodge Rd, Omaha, NE, 68114
  • A great deal has changed since Exchange Bank was chartered in 1894. Most notably, technology is now a central part of people’s daily lives. Mobile banking, facial recognition software, and paperless payments are the new normal, allowing customers to accomplish tasks from virtually anywhere, at any time.
  • American National Bank
  • 8990 W Dodge Rd, Omaha, NE, 68114
  • We believe in celebrating the hard work, innovation, courage, and determination of our clients, whether they're applying for a new business loan or opening up their first savings account. We get to know our clients so we can help guide them on the best path possible. We built American National Bank over 100 years ago with the same curiosity.
  • Goodman Mortgage Corporation
  • 801 N 96th St, Suite 2592, Omaha, NE, 68114
  • Goodman Mortgage Corporation is a locally owned and operated Mortgage Brokerage with over 30 years mortgage and lending experience. We have a personal interest in the people and families in the Nebraska and Iowa area. It has always been and always will be our community, too! We have the experience to identify.
  • Finance 1 LLC
  • 1005 S 76th St, Suite 102, Omaha, NE, 68114
  • Finance1 provides professional mortgage service, helping you find accurate answers to important questions regarding mortgage rates, refinancing, savings, and smart investment options. We protect your best interest, so whether it be refinancing a current mortgage or purchasing a new home, we have you covered through a quick and informative process.
  • Mortgage Specialists, LLC
  • 8420 W Dodge Rd, Suite 113, Omaha, NE, 68114
  • We’re a small team of mortgage professionals who understand not only how to get you approved for your mortgage—but also how the mortgage you choose affects your overall financial future. We treat your mortgage like any other investment, helping you find the right loan for your family’s individual financial situation, needs and goals
  • Pitch Edison Financial
  • 1243 Golden Gate Drive, Papillion, NE, 68046
  • Pitch Edison provides personal mortgages to individuals in Nebraska looking to begin the next chapter in their life. As a local company, we are well versed in all types of loans including, conventional, FHA, USDA, and refinances. Our model allows us to create a custom experience in order to tailor a loan that's right for you!
  • United Community Bank
  • 4626 Highway 1, Raceland, LA, 70394
  • United Community Bank is a full-service financial institution offering all the things that bigger banks offer, and one thing they don't: local people with a commitment to providing personal service and United Community Bank was formed in 1964 in Lafourche Parish. Over the years we've branched out to serve a five-parish region covering Lafourche.
  • Minnesota National Bank
  • 131 12th St S., Sauk Centre, MN, 56378
  • Minnesota National Bank is a vibrant & growing community bank operating in the Sauk Centre, Long Prairie & Pelican Rapids markets. Like the fatherly advice you may have received once while sitting on the end of a dock, Minnesota National Bank prides itself in getting to know customers & providing advice to help you make better financial decisions.
  • Carter Credit Union
  • 133 S Main Street, Springhill, LA, 71075
  • Carter Federal’s beginnings date back to 1954, when Floyd Carter chartered the credit union to serve the employees of International Paper Company in Springhill, LA. As paymaster of International Paper, Floyd witnessed predatory lending practices within his own workplace & made a commitment to seek a safe way for employees to borrow & save money.
  • The Denman Team
  • 14301 FNB Parkway, Suite 100, Omaha, NE, 68154
  • Founded in 1966, Delmar Mortgage is a full-service mortgage company helping new and experienced buyers find their dream homes. Delmar Mortgage offers a wide range of mortgage products that allow us to fit the best loan to the specific needs of each client. Our products range from conventional, jumbo, FHA, VA and more.