USDA VS FHA in Chesapeake-Beach, Calvert County, MD

For 2026, the USDA loan limit set for Chesapeake-Beach, in Calvert county, MD, stands at $657,900. For single-family homes, the FHA limit is $822,375.

Utilize the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates. This tool determines the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, helping you decide which program suits your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Chesapeake-Beach, Calvert County, MD

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

Exploring USDA and FHA Loan Options in Chesapeake-Beach, MD

The goal of Lendersa® is to secure the best USDA or FHA loan swiftly and without hassle. Select from three initial options that match you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loan in MD

A USDA home loan, guaranteed by the Department of Agriculture, also called a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.

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



Chesapeake-Beach Lenders

  • Patriot NTNL Mortgage Corporation
  • 260 Merrimac Court, Prince Frederick, MD, 20678
  • Lends in Maryland
  • Patriot NTNL Mortgage Corporation began its journey as a Mortgage Broker and Home Improvement Finance Company in June 1993 and has successfully served thousands of customers in the Maryland, Virginia, and Washington DC areas. Patriot NTNL Mortgage Corporation has always had the belief that our customer is top priority.

  • Intrepid Private Capital Group/John Callender
  • 135 W Dares Beach Rd Prince, Frederick, MD, 20678
  • Lends in Maryland
  • The Intrepid Private Capital Group is a leader in providing business funding solutions. We screen Projects for a remarkable number of private funding sources around the world, principally: offshore money management groups, very large trusts, funds, pension plans and several boutique investment groups,

  • Police Federal Credit Union
  • 9100 Presidential Parkway, Upper Marlboro, MD, 20772
  • Lends in Maryland
  • The Police Federal Credit Union, headquartered in the Washington, D.C. metropolitan area, is a full service, not-for-profit, financial institution that has been committed to protecting the financial interests of members of the law enforcement community and serving their financial needs since 1935.

  • Admiral Mortgage Services LLC
  • 3456 Monarch Drive, Edgewater, MD, 21037
  • Lends in Maryland
  • Admiral Mortgage Services was designed by loan officers for the benefit of the consumer. Our cutting-edge technology and strategic business relationships allows our customers access to all Conventional Financing options, as well as FHA, VA, USDA and more and even several great options for our self-employed customers

  • Universal Mortgage & Finance
  • 3158 Braverton Street, Suite 204, Edgewater, MD, 21037
  • Lends in Maryland
  • Universal Mortgage & Finance, Inc. is a direct lending institution and we pride ourselves on making your needs our top priority because we're committed to building long-lasting relationships in the communities we serve. For two decades, we have successfully facilitated the financial service needs of people .

  • BlackWater Funding
  • 403 Fairlea Drive, Edgewater, MD, 21037
  • Lends in Maryland
  • BLACKWATER FUNDING PROVIDES QUICK COMMERCIAL REAL ESTATE LOANS & CAPITAL FOR INVESTORS & OWNERS OF OWNER-OCCUPIED PROPERTIES. WE ALSO OFFER LOANS FOR UNIQUE PROPERTIES: (CHURCHES, CAR WASHES, MOBILE HOME PARKS, GAS STATIONS,CHILDHOOD CARE, AUTO REPAIR SHOPS, SELF STORAGE,LAND, ETC.)

  • Colonial Mortgage Group
  • 3261 Old Washington Road, Suite 1011, Waldorf, MD, 20602
  • Lends in Maryland
  • Colonial Mortgage Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism

  • Money One Federal Credit Union
  • 9800 Technology Way, Largo, MD, 20774
  • Lends in Maryland
  • Money One Federal Credit Union is a not-for-profit, full service financial institution. We were formed in 1951 to promote wise financial responsibility and provide a source of low-cost credit. Money One is member owned and operated. Our only reason for existence is to help people do better financially.

  • Mortgage Experts
  • 9500 Medical Center Drive, Suite 102, Upper Marlboro, MD, 20774
  • Lends in Maryland
  • The Mortgage Experts Team is your premier mortgage team located in Largo, Maryland. We pride ourselves on offering some of the lowest rates nationwide and make the loan process easy, straightforward and fast for borrowers seeking a mortgage in the Largo area.

    Whether you are first time home buyer, purchasing your dream home, refinancing.