FHA VS Conventional loan programs in 2026 for 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.

Review loan offers from 100 distinct lenders

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.

Visual display of Lendersa USDA loan requests and results


  • Simplicity Mortgage
  • 411 DUNLAWTON AVENUE, Port Orange, FL, 32127
  • Simplicity Mortgage offers a full suite of loan products Conventional, VA loan, FHA loan, USDA, Jumbo, Non Qualified Mortgage (non-QM), Self Employed, 1099, bank statement, first time home buyer, investment, and secondary property purchases. We have excellent options for your refinance .

  • American Mortgage Loan Services, LLC
  • 5111 S Ridgewood Ave, Ste 103, Port Orange, FL, 32127
  • American Mortgage Loan Services is a locally owned, Florida Mortgage Broker. For over 25 years American Mortgage has been providing mortgage assistance to Florida communities. Our loan officers work with our clients to create a desirable mortgage that will best fit their needs and goals.

  • Embrace Home Loans - Viera, FL
  • 3959 S Nova Road Suite 2, Port Orange, FL, 32127
  • We are the BEST at what we do, and we don’t take you for granted. At Encompass, you are more than a number, you are more than a credit score, and you are more than the next transaction. You are a person who has very specific needs and goals. We understand that no two transactions are alike because no two people are alike.

  • Mortgage Solutions, LLC
  • 19 Research Park Court, Saint Charles, MO, 63304
  • With over seven decades of experience working with borrowers in a variety of situations, Mortgage Solutions, LLC has set the standard for trust, honesty, and integrity. Whether you're looking to refinance an existing home, purchase a new one, or lower some of your high interest obligations,

  • Equity Prime Mortgage Missouri
  • 6036 Weldon Spring Pkwy, Weldon Spring, MO, 63304
  • Equity Prime Mortgage LLC is a licensed mortgage lender whose operations extend across the country. We provide a variety of mortgage products to assist you with finding solutions to all of your mortgage needs. Our company has Certified Underwriters on staff which allows issuing a decision on your application quickly.

  • St. Charles Mortgage LLC
  • 633 Oregon Trail Ct, Saint Charles, MO, 63304
  • Saint Charles Mortgage LLC understands that a great factor to what makes a mortgage successful is personal connection. We strive to give our clients the highest quality customer service by getting to know where you are in life and making sure we understand where you want to be. We absolutely minimize your rate

  • Magnolia Mortgage, LLC
  • 5377 State Highway N, Suite 218, Cottleville, MO, 63304
  • Magnolia Mortgage is a local, family owned business that guarantees the personal service and attention you need to close on time with the right residential loan for you. We are conveniently located in St. Charles County, just outside St. Louis. We attend every closing to ensure all your questions are answered and no stone is left unturned.

  • West Alabama Bank
  • 509 1st Avenue West, Reform, AL, 35481
  • Welcome to West Alabama Bank. We’re the hometown Bank for West Alabama, helping people, businesses and our communities grow stronger and better with each day. As a local Bank, we make decisions right here, which means we have the freedom to be creative and flexible in supporting you.

  • Central Wisconsin Credit Union
  • 1301 Post Road, Plover, WI, 54467
  • Central Wisconsin Credit Union was created as the result of a merger between Consolidated Community Credit Union and Wisconsin River Credit Union. While the name, location and look of the credit union is relatively new, CWCU is endowed by a rich heritage, combining over 125 years

  • Total Lending Concepts
  • 1310 N. Main Street, Bell, FL, 32619
  • The Total Lending Concepts Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Colorado and Missouri. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.

  • FLAG Credit Union
  • 3115 Conner Boulevard, Tallahassee, FL, 32311
  • FLAG Credit Union was originally chartered to serve the employees of the Florida Department of Agriculture and Consumer Services (FDACS). While we have expanded our field of membership and community access, we continue to highlight our proud roots and ongoing dedication to the FDACS

  • Mortgage143 LLC
  • 314 Walnut Forest Drive, O Fallon, MO, 63366
  • Ed Bauwens Owner at Mortgage 143 LLC. Ed have been a Mortgage Loan Specialist for the past 20 years. Ed Bauwens started his own Mortgage Brokerage company in 2020, to make you my first priority, while also helping fit your budget and terms into your most important investment; YOUR HOME!