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

In 2025, 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.

Compare loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Annapolis, 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

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.

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



  • Private Money Bancorp Inc.
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  • LendUS® was created as a collaboration between RPM Mortgage and American Eagle Mortgage – two well-established mortgage companies with like-minded industry veterans. Together, we have formed one company, with one name, that is solely-focused on providing our clients smart advice and an easy process with super speed.
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  • Karen Douglas is a 23 year Bay Area mortgage professional with extensive experience and knowledge of the industry and its ever-changing landscape. Born and raised in the Bay Area, Karen has devoted much of her energy to developing happy homeowners in the greater Bay Area. Not limited to the local market, Karen’s resources span all of California.
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  • St. George Realty specializes in knowledge and customer service. As a CPA, Steve St.George readily available to assist you through all aspects of a purchase, sale or refinance. From loan pre-approval to closing, Steve work directly with you. My clients appreciate there are no assistants, receptionists, processors..
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