USDA Vs. FHA Pro and Con comparison in Beltsville, Prince George's County, MD

For 2025, in Beltsville, located in Prince George's county, MD, the USDA loan limit is set at $657,900, whereas the FHA limit for a single-family home is $822,375. Understanding these limits is essential for financing decisions.

Use the Lendersa® USDA loan calculator to weigh current USDA versus FHA rates. Identify the income, credit score, reserves, and documentation needed to qualify. The calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable program for your financial scenario in .

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2025 Loan Limits and Down Payment Needs in Beltsville, Prince George's, MD

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Examining USDA and FHA Loan Choices in Beltsville, MD

Lendersa® aims to efficiently connect you with the most convenient USDA or FHA loan without delay. Choose one of three starting options to match with lenders and USDA loan programs fitting your criteria.

Visual of Lendersa USDA loan request and results

Understanding USDA Loans in MD

The USDA home loan, supported by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is available only in rural districts. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans offer the benefit of no down payment, easing the financial entry for eligible buyers.

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



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  • FirstBank of Nebraska is a locally owned, independent community bank with branches in Wahoo, Syracuse, Sterling and Burchard. As an FDIC-insured bank, we offer a full range of banking products to satisfy the unique needs of individuals, farmers and businesses of all sizes. Our local staff takes pride in getting to know our customers.
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