USDA Vs. FHA your options comparison in Annapolis, Anne Arundel County, MD

In 2025, USDA loan limit in Annapolis, county of Anne Arundel, MD is $466,400 while FHA limit is $632,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Annapolis, county of Anne Arundel, MD

Loan Type Loan Limit Down payment
USDA $466,400 0%
FHA $632,500 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Annapolis, MD

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Maryland?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Carlyle Mortgage Inc.
  • 1901 South Bascom Avenue, Suite 1410, Campbell, CA, 95008
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide loans to our clients while providing them with the great service. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.We know you have a lot of options when it comes to yourmortgage financing.
  • BeneGroup, Inc.
  • 1999 South Bascom Avenue, Suite 700, Campbell, CA, 95008
  • BeneGroup, Inc. provides Residential and Commercial Real Estate consulting and financing services to a broad range of national and international clientele. In the current lending market, with its dynamic and ever changing guidelines, you need a firm that is well versed with the current lending rules and legislative regulations to assist you.
  • Bayview Residential Brokerage
  • 51 E Campbell Avenue, Suite 110, Campbell, CA, 95008
  • "Bayview Residential provides home lending and real estate services as one of the largest independent mortgage and real estate brokerages in California and recently ranked as the number 10 mortgage brokerage in the US. Established in 2004, Bayview works with over 150 agents, 90 of whom are endorsed as Mortgage Loan Officers."
  • Diversified Loan Services, Inc.
  • 257 E Campbell Ave #3, Campbell, CA, 95008
  • Diversified Loan Services, Inc. (DLS) is committed to providing sound and secure trust deed investment opportunities for private individuals looking for higher rates of return on their investment. We value personal relationships and integrity in meeting our client’s investment needs.
  • Kal Financial
  • 2542 South Bascom Avenue, Ste. 130, Campbell, CA, 95008
  • Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free Campbell California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office no.
  • The Money Market, Inc.
  • 39899 Balentine Drive, Newark, CA, 94560
  • We Are The Amazon for Mortgage Solutions, your One-Stop Shop for real estate loans. We fund both residential and commercial. We can fund your fix and flips up to 100% of the acquisition and 100% of the rehab. We Fund QM (Agency) ranging from FHA, VA, USDA, Conforming, Conventional, and Jumbo Loans. We also fund non-QM loans for self-employed and
  • TeamMotta
  • 37600 Central Court, Suite 264, Newark, CA, 94560
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  • Best Rate Mortgage
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  • The Money Market Inc.
  • 34906 Newark Blvd, Newark, CA, 94560
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  • 2805 Bowers Ave, Santa Clara, CA, 95051
  • KeyPoint Credit Union is an award-winning credit union based in Silicon Valley, with $1 billion in assets and over 58,000 members across California. We aim to improve people’s lives with a full line of financial products and services, while providing excellent rates, low fees, 24/7 access and personalized member service.