USDA Vs. FHA your options comparison in Annapolis-Neck, Anne Arundel County, MD
As of 2026, the USDA loan limit in Annapolis-Neck within the county of Anne Arundel, MD, is $430,500, while for FHA, the cap is $538,200 on a single-family home.
Utilize the Lendersa® USDA loan calculator to compare today's top rates between USDA and FHA loans. Determine the income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, enabling you to choose the best program in suited to your financial needs.
2026 Loan Limits and Down Payment Requirements in Annapolis-Neck, County of Anne Arundel, MD
Loan Type
Loan Limit
Down Payment
USDA
$430,500
0%
FHA
$538,200
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Financing Options in Annapolis-Neck, MD
The aim of Lendersa® is to efficiently secure the best USDA or FHA loan options for you without any hassle. Select from three initial approaches to connect with lenders and USDA loan choices.
A USDA home loan is guaranteed by the U.S. Department of Agriculture and is also referred to as a USDA rural development loan or USDA mortgage. This loan type is only available in rural areas and, unlike FHA loans which require a minimum of 3.5% down payment, a USDA mortgage does not require any down payment.
In 1969, a group of workers from Bethlehem Steel organized a cooperative, non-profit Credit Union for employees in order to improve the financial well-being of themselves and their families. Since 1969 Members First has been providing low cost, quality financial services to its members.
40 South Dundalk Avenue, Suite 201, Dundalk, MD, 21222
Our goal is to provide the lowest possible rate for all situations. In this age of technology we still maintain the personal touch and service next to none. United Trust Financial is a mortgage company started in October 2002.if you are looking to refinance or purchase, good or challenged credit please contact us.
Vantage Loans Finance Corp. is a mortgage lender in Beltsville, Maryland that is spearheaded by professionals who have been in the loaning industry for more than 25 years. We believe that homeownership is a privilege that everyone should enjoy. Hence, we work to ensure that all our clients can avail.
We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending
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.
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.
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.
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.
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
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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.
