USDA and FHA Pro and Con in Bel-Air, Harford County, MD
As of 2025, 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.
2025 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.
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