FHA Vs. USDA loan program for Annapolis, Anne Arundel County, Maryland

In 2026, for Annapolis in Anne Arundel county, MD, the USDA loan limit is $466,400. For a single-family home, the FHA limit is $632,500.

Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA best rates and determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to see the USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program for your financial needs in Alabama.

USDA and FHA Loan Options in Annapolis, MD

The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you, without hassle. Choose from three starting points to connect with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in MD?

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is available only in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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(240) 459-8005 Lender's profile and map Reviews WSSC Federal Credit Union 14501 Sweitzer Lane, Laurel, MD, 20707 WSSC Federal Credit Union (WSSC FCU) was chartered in April 1964 with an initial asset base of $2, 000. Since then, the Credit Union has grown to over $30 million in assets with over 4, 000 members. We serve WSSC Water employees, retirees, contractors, and their families; members and employees of Reid Temple AME and Kingdom Fellowship AME Churches.
(301) 497-7000 Lender's profile and map Reviews Tower Federal Credit Union 7901 Sandy Spring Road, Laurel, MD, 20707 Tower Federal Credit Union was ranked #1 on Forbes Magazine’s Best-in-State Credit Unions for 2021, and was one of only five Maryland credit unions to make the Forbes Best-in-State list in 2020. Tower Federal Credit Union was formed in 1953 when its seven original members pooled together their money
(301) 483-9900 Lender's profile and map Reviews Diamond Financial Mortgage 8645 Cherry Lane, Laurel, MD, 20707 Diamond Financial Mortgage Corporation has helped many families buy a home with the loan that is right for them. We pride ourselves on our technical expertise and are committed to exceeding our clients' expectations. We work together with our clients to understand their needs, wants, and expectations and offer a flexible approach
(410) 327-5220 Lender's profile and map Reviews Homewood Federal Savings Bank 3228-30 Eastern Ave, Baltimore, MD, 21224 Homewood Federal Savings Bank is your neighborhood bank of choice in Southeast Baltimore and in the greater metropolitan area. In business since the early 1900’s, we pride ourselves on providing exceptional customer service with a smile. Whether you are a Highlandtown neighbor or a resident of Canton, Fells Point or Harbor East.
(410) 327-9841 Lender's profile and map Reviews Self Reliance Baltimore Federal Credit Union 2345 Eastern Avenue, Baltimore, MD, 21224 Self Reliance Baltimore Federal Credit Union was chartered on September 12, 1955 by dedicated volunteers who arrived in the United States after World War II. These immigrants integrated into established Ukrainian communities & in the early 1950’s founded the Self Reliance Association & started forming credit unions for people of Ukrainian descent.
(410) 750-0020 Lender's profile and map Reviews Howard Bank 3301 Boston Street, Baltimore, MD, 21224 At Howard Bank, business is always personal. It’s the difference between a good Banker and an exceptional one. We believe that outstanding service doesn’t come from a set of guidelines. It comes from understanding the connection you have with the people you serve. This is about building dreams and legacies.
(888) 594-0489 Lender's profile and map Reviews Preferred Home Loans 514 Oldham Street, Baltimore, MD, 21224 Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Home Loans, we offer a variety of loan options that can help you achieve home ownership with the speed and service you deserve. Plus, our mortgage professionals are dedicated to finding the right loan.
(443) 885-0060 Lender's profile and map Reviews Secured Funding Corporation 3500 Boston St, Suite 234, Baltimore, MD, 21224 Secured Funding Corporation is a full-service mortgage brokerage firm specializing in FHA, Conventional, VA, and 203k residential loans. Our team of originators have years of valuable experience in the home loan industry and have built a reputation of excellent customer service that is exemplified by the number
(443) 778-5250 Lender's profile and map Reviews APL Federal Credit Union 11050 Johns Hopkins Road, Laurel, MD, 20723 Our members entrust us with the enormous responsibility of helping them reach their financial goals. Everyone at APL FCU works tirelessly to be worthy of that trust, and to create the best member experience possible. If you live, work, regularly conduct business in or attend school in Howard County, Maryland.
(301) 586-3400 Lender's profile and map Reviews Market USA Federal Credit Union 8871 Gorman Road, Suite 100, Laurel, MD, 20723 Market USA, a full-service financial institution, was originally chartered in 1953 to serve Giant Food employees in the Mid-Atlantic region. Throughout the years our membership has grown to include additional grocery store chains such as Giant of Carlisle, Stop and Shop, and BI-LO, as well as over 80 select employer groups.
(844) 645-6937 Lender's profile and map Reviews Lower.com 8621 Robert Fulton Drive, Suite 150, Columbia, MD, 21046 We believe owning a home is one of the greatest wealth builders out there. So our goal is to make homeownership more accessible, and to help more people buy homes. and also We make lower happen—lower fees. Lower rates. Lower interest. Lower payments. Lower hassle. So our borrowers get a better mortgage experience, for less. With Lower.
215 839 3271 Lender's profile and map Reviews Hard Money Bankers 10015 Old Columbia Rd, Suite H-125, Columbia, MD, 21046 HARD MONEY BANKERS is a full service and self-funded private/hard money lending company providing fast and flexible financing for residential and commercial investment real estate deals. We are currently lending in Maryland, Washington DC, Virginia, Pennsylvania, Delaware and New Jersey.