FHA VS Conventional loan in Urbana, Frederick County, Maryland

For 2026, the Conventional loan limit in Urbana, located in Frederick county, MD, is $1,089,300, whereas the FHA limit for a single-family home is $1,089,300.

Take advantage of Lendersa® Conventional loan calculator to assess today's optimal rates among Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and required documentation to qualify. This advanced mortgage calculator facilitates side-by-side viewing of Conforming Conventional loans, USDA, FHA, and VA, helping you choose the best option for your financial needs in MD.

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Loan limits and downpayment requirements for 2026 in Urbana, Frederick county, MD

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This comparison table is applicable to the following zip codes: 21704

Discover Conventional and FHA loan options in Urbana, MD

The goal of Lendersa® is to connect you with the best possible Conventional, USDA, or FHA loan quickly and without complications. Choose one of three pathways to find suitable lenders and matching loan programs.

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Urbana Lenders

  • Addison Mortgage Consultants
  • 5 Hillcrest Dr, Suite B203, Frederick, MD, 21703
  • Lends in Maryland
  • Addison Mortgage Consultants, 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. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • FERKO Maryland Federal Credit Union
  • 502 W Patrick Street, Frederick, MD, 21701
  • Lends in Maryland
  • FERKO Maryland Federal Credit Union was established in 1955 to meet the financial needs of employees of the Frederick County, Maryland Public Schools, the Frederick Community College and members of their immediate families. From the original eight charter members, FERKO has grown to where it services over 4, 000 members.

  • Revolutionary Mortgage Company
  • 9099 Ridgefield Drive, Suite 104, Frederick, MD, 21701
  • Lends in Maryland
  • Revolutionary Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Community Mortgage LLC
  • 602 Center Street, Suite 107, Mount Airy, MD, 21771
  • Lends in Maryland
  • Community Mortgage LLC, owning property can quickly turn into a reality. We are highly experienced professionals who will do everything in our power to help you get into an affordable property loan. We will also give you a quick response when Home-page-housedoing so. Our goal is client satisfaction

  • Nations Funding LLC
  • 20028 Apperson Place, Germantown, MD, 20876
  • Lends in Maryland
  • Nations Funding is a fully diversified Mortgage Lender. From First, Second and Equity Loans to Commercial and Small Business Loans. Mortgages are our only business. We pride ourselves on being small enough to offer each client personal attention yet large enough to finance significant lending transactions.

  • Middletown Valley Bank
  • 24 West Main Street, Middletown, MD, 21769
  • Lends in Maryland
  • Middletown Valley Bank has been a cornerstone for our customers’ financial planning, residents and businesses alike. Though many advances of the 21st century have made the financial world more competitive, Middletown Valley Bank continues to provide the flexibility and responsiveness only a true community bank can offer.

  • Mlend
  • 8803 Baltimore National Pike, Middletown, MD, 21769
  • Lends in Maryland
  • "Mlend has built a strong reputation as an outstanding mortgage firm offering ""Home Loans Made Fast & Easy""​ to homebuyers throughout the mid-atlantic region.

    We're a full service mortgage lender with dedicated mortgage consultants and an experienced in house support team offering expertise in every area of mortgage financing.

  • SkyPoint Federal Credit Union
  • 19785 Crystal Rock Drive, Suite 201, Germantown, MD, 20874
  • Lends in Maryland
  • SkyPoint Federal Credit Union is one of the premier financial institutions serving Montgomery County, Md.; Frederick County, Md.; Arlington County, Va.; Alexandria and Falls Church, Va.; and the District of Columbia. SkyPoint FCU strives to offer its members a wide array of financial services.

  • Mid Atlantic Federal Credit Union
  • 12820 Wisteria Dr, Germantown, MD, 20874
  • Lends in Maryland
  • Mid-Atlantic Federal Credit Union (MAFCU) is a not-for-profit institution managed for the sole benefit of its members, and offers many financial services at better rates and fees. Profits are returned to MAFCU members in the form of higher savings rates, lower loan rates, and lower fees. Membership is open to anyone who lives, works, worships.