As of 2025, the USDA loan limit for Ashton-Sandy-Spring in Montgomery county, MD, is $657,900, while the FHA cap for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to assess today's leading USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best option in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The mission of Lendersa® is to provide the best USDA or FHA loan efficiently and without hassle. You can choose from three starting points to connect with matching lenders and explore USDA loan programs.
A USDA home loan, insured by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is only available in rural neighborhoods. Unlike FHA loans requiring a minimum of 3.5% down payment, a USDA loan necessitates no down payment, offering a greater accessibility advantage to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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