USDA and FHA Pro and Con in Bel-Air, Harford County, MD
As of 2026, the USDA loan limit in Bel-Air, set in Harford County, MD, is $430,500, while the FHA cap for a single-family home is $538,200.
Utilizing the Lendersa® USDA loan calculator enables you to compare the current best rates for USDA versus FHA loans, and identifies the income, credit, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator offers you USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Bel-Air, Harford County, MD
Loan Type
Loan Limit
Down Payment
USDA
$430,500
0%
FHA
$538,200
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loans in Bel-Air, MD
Lendersa® aims to help you access the best USDA or FHA loan quickly and without hassle. Start with one of three pathways to match with lenders and explore USDA loan opportunities.
A USDA home loan, guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural settings. In contrast to FHA loans, which mandate a minimum down payment of 3.5%, USDA mortgages require zero down payment.
iMove Mortgage We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process.
725 N. Hickory Avenue, Suite 200, Bel Air, MD, 21014
Lends in Maryland
Hawk Mortgage Group offers a wide range of mortgage solutions for your personal and commercial needs.The company has been in the mortgage industry for 45 years. He is centralized geographically and very familiar with the mid-Atlantic region. His reputation for excellence is built on delivering personal quality-focused customer care and attention.
Har-co Credit Union is built on the foundation of delivering a strong member focused experience. We believe that our success will only occur by upholding the values and principles of a culture where members, both internal and external, feel rewarded in a relationship.You are eligible for great rates, dedicated service & a superior member experience
MBA Mortgage Services, Inc. started its business in 1999 as a small Maryland-based mortgage company that primarily focused on home buyers and assisting them with the purchase of their new home. During the next 10 years, MBA Mortgage has expanded its operation into three branches and nine states and now specializes in all types of home financing.
Freedom Federal Credit Union is a federally-insured, community-chartered credit union serving members who live, work, worship, volunteer, or go to school in Harford County, Maryland, and their families, as well as businesses operating in the county. Freedom’s mission is to be a trusted partner by creating a culture of people helping people.
Freeland Financial has built a strong reputation as an outstanding mortgage brokerage firm. We serve the lending needs of builders, real estate professionals, and individual homebuyers throughout the state of Maryland, Virginia, and Florida.Our customers keep coming back because we have low rates and the best service in MD, VA and FL..
Jarrettsville Federal Savings and Loan Association
3706 Norrisville Road, Jarrettsville, MD, 21084
Lends in Maryland
Jarrettsville Federal Savings and Loan ranked in the top 17 percent of banks nationwide for outstanding community involvement, as determined by the Office of the Comptroller of the Currency. The designation is part of the Community Reinvestment Act of 1977 (CRA). Rankings are based on the assessment of loans for building within the community.
Harford Bank is an independent, locally owned & managed, full-service bank, responsive to the needs of our customers & our community. We are committed to delivering a superior customer experience, providing fulfilling careers, & a competitive return to our shareholders. Harford Bank was chartered as a national banking association on April 27, 1964.
1200 Technology Drive, Suite A, Aberdeen, MD, 21001
Lends in Maryland
Credence Funding Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
