FHA VS Conventional loan in Ellicott-City, Howard County, Maryland
In 2026, 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.
2026 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
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.
3745 Running Springs Road, Ellicott City, MD, 21042
Lends in Maryland
KPG Mortgage is a full-service mortgage company offering some of the lowest interest rates on the market for refinances and new home purchases and also We have a simple process, from a straightforward application to an on-time closing. Our expertise translates to a great customer experience. Let us be your trusted advisor.
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.
11110 Dovedale Ct, Suite 28A, Marriottsville, MD, 21104
Lends in Maryland
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.
Clarksville Mortgage Corporation, where we specialize in residential mortgages. At Clarksville Mortgage Corporation, 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.
3458 Ellicott Center Drive, Suite 106, Ellicott City, MD, 21043
Lends in Maryland
In 2011, the HCTA Federal Credit Union petitioned NCUA to expand our charter from a Single Common Bond Charter to a Multiple Common Bond Charter. This allows us to offer membership to other entities in Howard County who are in some way affiliated with schools. Our first new membership group was the High School Students of HCPSS, beginning 2012.
Our mission is to serve our customers with honesty, integrity, and transparency. 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.
Nick Hoffner is the founder of Leading Home Mortgage LLC, a licensed mortgage company providing residential mortgages to customers purchasing or refinancing a home in Maryland. Nick has been in the mortgage business since 2006 and has helped more than a thousand people purchase or refinance their homes over the past 14 years.
8850 Columbia 100 Parkway, Suite 215, Columbia, MD, 21045
Lends in Maryland
APEX Mortgage LLC team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
Advantage Star Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. and We offer a wide range of loan programs including: 30yr mortgage Conventional, Jumbo, VA and more
