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

In 2025, USDA loan limit in Baltimore-Highlands, county of Baltimore, MD is $430,500 while FHA limit is $538,200 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Baltimore-Highlands, county of Baltimore, 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®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Maryland?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Stratify Lending LLC
  • 220 South 200 East, Suite 200, Salt Lake City, UT, 84111
  • Stratify Lending, our goal is to make the process seamless and enjoyable. Our mortgage professionals are experts on the wide array of mortgage products available to consumers. Our careful assessment process will help match you with the right product to meet your long-term financial goals
  • RushFire Private Lending
  • 257 E 200 S, Suite 525, Salt Lake City, UT, 84111
  • RushFire Private Lending is a privately owned non-traditional real estate finance company powered by technology. We provide asset-based financing for real estate entrepreneurs wholesaling, developing, and rehabilitating real estate within the state of Utah. We focus on wholesale short-term, single-family residential rehab
  • Actium Partners, LLC
  • 111 East Broadway Suite 390, Salt Lake City, UT, 84111
  • Founded in 2004, Actium is a holding company making equity and debt investments in a range of industries and real estate projects to achieve a superior return on its capital while preserving a margin of safety. Actium Partners focuses on companies that work within established, non-high tech areas of business.
  • America First Credit Union
  • PO Box 9199, Ogden, UT, 84409
  • America First's mission of service is not limited to helping people develop and maintain financial well-being. In fact, it emanates throughout the community. Our employee volunteer program, the Greater Good, offers a planned, managed framework that motivates our staff to effectively donate time and resources to the communities where they live.
  • Nexus Mortgage Lending
  • 550 W. Sunnyside Road, Suite 11, Idaho Falls, ID, 83402
  • At Nexus Mortgage Lending, we believe that it is our responsibility to be the connection between our clients and their goals of homeownership. It is our goal to educate our clients, provide them with financing options to meet their individual needs, and link them with world-class lending institutions.
  • Copper River Funding
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  • Copper River Funding offers individuals convenient access to the rewarding opportunities available through private commercial real estate bridge lending. Our disciplined and risk-controlled strategy is designed to help you protect your capital and generate high current income. The members of the CRF management team have amassed over 40 years
  • Trust Alliance Capital
  • 2225 W. Broadway St, Suite J, Idaho Falls, ID, 83402
  • Trust Alliance Capital has been serving commercial customers' financing needs for over 15 years. Currently holding an A+ rating with the Better Business Bureau. Our expertise in commercial equipment financing, SBA/USDA loans, and commercial real estate will help you move forward in your business
  • Wasatch Capital Mortgage
  • 697 North 240 East, Kaysville, UT, 84037
  • At Wasatch Capital Mortgage we strive to make you a “client for life” and a part of our mortgage family. We want to be your first choice each and every time you need a home loan. We have a reputation of going above and beyond for every single client. Our goal is to earn the level of trust that will make you to feel confident.