USDA and FHA Pro and Con in Baltimore, Baltimore County, MD
For the year 2026, the USDA loan limit in Baltimore, within Baltimore county, MD, is $466,400. In contrast, the FHA limit for a single-family home is $632,500.
The Lendersa® USDA loan calculator can help you evaluate today's leading USDA and FHA rates, determining necessary income, credit, reserves, and documentation for qualification. Our comprehensive mortgage calculator allows comparisons of USDA, FHA, Conforming, and VA loans, aiding your decision on the best option for your unique financial situation in Alabama.
Loan Limits and Downpayment Requirements for 2026 in Baltimore, Baltimore, 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 Baltimore, MD
Lendersa® aims to quickly connect you with the best USDA or FHA loans without hassle. Select one of three starting points to find matching lenders and suitable USDA loan programs.
The USDA home loan, also called a USDA rural development loan or mortgage, is government-backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment requirement.
Our local Baltimore roots go back to 1936. From our humble beginnings to today, we have always put working families and their financial well-being at the center of everything we do. With better rates, free financial education and personal service, we are committed to improving the lives of our members and the communities we serve.
One Light Street, 12th Floor, Baltimore, MD, 21202
Lends in Maryland
M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.
Johns Hopkins Federal Credit Union was founded by a small group of Johns Hopkins University employees in 1971. As a credit union, our charter allows us to serve various groups. In our case, we have stuck to our roots, expanding to serve other Johns Hopkins and related entities. We truly are built by and for the Hopkins community.
Harbor Bank of Maryland opened its doors in September of 1982 with $2.1 million in assets. As of December 31, 2015, Harbor Bank's assets were $288 million. The bank conducts general banking business in seven branch locations and primarily serves the Baltimore, Maryland Metropolitan area. The Bank also has a branch in Riverdale,
Provider was founded in the aftermath of the financial meltdown on the premise that every individual deserves to be treated fairly regardless of their financial knowledge or negotiating ability. Provider believes that the purchase or refinancing of a home requires careful evaluation of each client’s individual financial circumstances.
20 South Charles Street, Suite 1000, Baltimore, MD, 21201
Lends in Maryland
AGM Financial Services, Inc. is a leading FHA Lender providing financing for both Market Rate and Affordable housing communities. AGM arranges federally insured mortgages for apartment projects under FHA’s MAP (Multifamily Accelerated Processing) program. AGM is also an approved Lender for FHA’s Low Income Housing Tax Credit Pilot Program
400 W. Franklin St., Suite 300, Baltimore, MD, 21201
Lends in Maryland
PSG Lending was established in 2015 by an experienced team of mortgage banking professionals. With a focus on commercial bridge loan opportunities between $150,000 and $10,000,000, PSG Lending is a direct lender and capital partner. Our approach to lending is to build long term relationships by providing a transparent, reliable and swift process to
900 East Fayette Street, Suite 606, Baltimore, MD, 21233
Lends in Maryland
The Credit Union's original charter was filed in 1929, and its purpose remains the same today: a financial cooperative, organized solely for the promotion of thrift among its members by the accumulation of their savings in small amounts and the lending of such accumulations to its members for provident and productive purposes.
Rosedale Federal has deep roots in the Baltimore area and we’re proud to be part of the communities we serve. Our purpose remains the same: to help our neighbors with everyday finances and affordable home loans. The bank is still a mutual association, owned by its depositors, not a group of investors and shareholders.
