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

In 2025, the USDA loan limit for Carney, in Baltimore county, MD, is $466,400, while the FHA limit for a single-family home is $632,500.

Utilize Lendersa® USDA loan calculator to compare top USDA and FHA rates today, determining the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial situation in Alabama.

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2025 Loan Limits and Down Payment Requirements in Carney, Baltimore, MD

Loan Type Loan Limit Down Payment
USDA $466,400 0%
FHA $632,500 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Carney, MD

Lendersa® is dedicated to helping you access the best USDA or FHA loan options quickly and without hassle. Choose from three starting points to find matching lenders and the right USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MD

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available in rural neighborhoods. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require none.

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



  • Orange County Mortgages by End Zone Mortgage
  • 6200 E. Canyon Rim Rd. Suite 204, Anaheim, CA, 92807
  • We have 13 Lenders to work with you, some with down payment assistance programs. We have FHA VA and Conventional Loans with down payments as low as 3.5 % and conventional loan with only 3% down and lender paid Mortgage Insurance. We offer 12 and 24 month bank statement loans for our Self Employed Clients.
  • Trimark Funding
  • 5753 Santa Ana Canyon Road, Suite 617, Anaheim, CA, 92807
  • Trimark Funding is hard money lender headquartered in Anaheim Hills, CA. They provide funding in California. Their lending focus is mainly on fix and flip hard money loans. They do not require a minimum FICO rating to receive a loan. The focus of their loans is for single family and multi-family units
  • California Business Bank
  • 3200 El Camino Real, Suite 220, Irvine, CA, 92602
  • At California Business Bank (“CBB”), we combine the best of traditional community banking service, with modern technology origination and delivery methods. Technology when a business owner prefer, a person when they don’t. We provide innovative financial products and services to small businesses and entrepreneurs.
  • Owning
  • 230 Commerce, Suite 200, Irvine, CA, 92602
  • Owning was created by experienced people who worked in the mortgage industry for many years, providing billions of dollars in mortgages to consumers. They saw many inefficiencies in the way the mortgage industry has operated for years. So, they created Owning. Owning uses modern technology, communication and research tools to reduce the stress.
  • OBMortgage
  • 4665 Coronado Ave, San Diego, CA, 92107
  • OBMortgage, 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 possible loan. We represent a wide variety of lenders ranging from "A" rated lenders with first quality rates to private "hardship" lenders.
  • JDGVentures
  • 255 Lockford, Irvine, CA, 92602
  • Galligan Funding Group (JDGVENTURES INC). We are a full-service mortgage company based in Irvine, CA. We specialize in Home Purchase Loans and Refinance in Irvine. We also serve the surrounding cities in Orange County. Whether you are buying a home or refinancing in the zip code of 92602
  • SMS Mortgage
  • 2 Robinstree Lane, Irvine, CA, 92602
  • SMS Mortgage pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan.
  • Arbor Mortgage Group
  • 209 NE Greenwood Avenue, Suite 100, Bend, OR, 97701
  • Arbor Mortgage Group, we are extremely passionate about what we do and where we live, which naturally makes us want to serve our community the best we can. For every client we have the opportunity to work with, we strive to provide an unparalleled personal, positive and professional experience.
  • Merchants Home Lending
  • 2305 Historic Decatur, Suite 100, San Diego, CA, 92106
  • Merchants Home Lending opened to serve the active and retired military personnel in the State of California. With 50 combined years of experience, Merchants has assisted over 1800 military families purchase a home. Merchants is a proud sponsor of the Wounded Warriors Project and USO.
  • Premier Capital Mortgage
  • 2730 Poinsettia Drive, San Diego, CA, 92106
  • Gail Faber, an award-winning, NMLS licensed mortgage agent and has more than 18 years’ experience in the industry. She exceeds client expectation by providing excellent customer service. Her strong background in escrow and processing makes her unique as she can provide a faster, more efficient, and easier approval process for her clients.