USDA Vs. FHA your options comparison in Baltimore-Highlands, Baltimore County, MD

For 2025, the USDA loan limit in Baltimore-Highlands, situated in Baltimore County, MD, is $430,500. Meanwhile, the FHA limit for a single-family home is $538,200.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA and FHA rates. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, enabling you to choose the best program in for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Baltimore-Highlands, Baltimore County, MD

Loan Type Loan Limit Down Payment
USDA $430,500 0%
FHA $538,200 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Baltimore-Highlands, MD

Lendersa®'s goal is to secure the best USDA or FHA loan for you quickly, without hassle. Choose one of three starting points to find matching lenders and explore USDA loan programs.

Lendersa loan request and matching results for USDA

Understanding USDA Loans in MD

A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans have no down payment requirement.

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



  • EAST COAST MORTGAGE LENDERS, INC.
  • 3228 SW Martin Downs Blvd. Suite 1, Palm City, FL, 34990
  • "East Coast Mortgage Lenders, Inc. is committed to helping you find the right mortgage product for your needs. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.Established in 2005.
  • First Bank of the Lake
  • 4558 Osage Beach Parkway, Suite 100, Osage Beach, MO, 65065
  • First Bank of the Lake’s story began in October 1985, when a group of local investors along with a group of St. Louis investors with interest in the lake area founded First Bank Centre in Osage Beach, Missouri. These well-respected and savvy investors recognized the need for a bank whose focus was on the local community.
  • Iowa Trust and Savings Bank
  • 200 North 10th Street, Centerville, IA, 52544
  • Iowa Trust and Savings Bank is proud to be your locally owned community bank. We are deeply rooted in Appanoose County and the surrounding areas. Iowa Trust and Savings Bank originated from the charter of two banks on July 13, 1896. The bank is still owned by the same family and opened in our current Centerville location on June 30, 1965.
  • Mortgage Headquarters of Missouri, Inc
  • 4824 Osage Beach Pkwy, Suite 1, Osage Beach, MO, 65065
  • Mortgage Headquarters can do it. FHA, VA, Conventional, Jumbo, Fannie Mae and Freddie Mac -- and countless other ways to help you clear the path to your new home. When looking for a new home, smart consumers first seek pre-approval by one of our mortgage professionals. You'll gain the credibility of a cash buyer.
  • All-Star Mortgages, LLC
  • 207 Shelton Beach Rd, Suite F, Saraland, AL, 36571
  • All-Star Mortgages is your #1 mortgage broker company in Saraland, AL, serving North Mobile & surrounding areas. All-Star Mortgages will provide you with fast, quality service to help you finance your next home. We are a fast & reliable mortgage company that can help assist you with your next home purchase.
  • The Tipton Latham Bank, National Association
  • 800 US-50, Tipton, MO, 65081
  • The Tipton Latham Bank, N.A. is a locally owned and operated independent community bank established in 1906. We are a full-service bank offering: Free Checking Regular Checking Savings Account Now Account Super Now Account Money Market Account Certificates of Deposit IRAs Debit/ATM Cards
  • Bank of Morton
  • 366 South 4th Street, Morton, MS, 39117
  • The Bank of Morton was chartered in 1904 and has operated continuously in Scott County since its inception.The bank’s primary mission has been to serve the banking needs of Morton, as well as communities in the surrounding area. This continues to be the primary driving force around the Bank today. Being the second oldest bank
  • WatersEdge Mortgage
  • 7873 3rd Ave S Sain, Saint Petersburg, FL, 33707
  • WatersEdgeMortgage, LLC is a broker located at 7873 3rd Ave S, St. Petersburg, FL 33707. We are a privately owned mortgage company doing business only in Florida. NMLS No. 948963 WatersEdge Mortgage, LLC has become known as providing among the lowest rates and costs in the industry and Florida’s most trusted mortgage broker.