USDA Vs. FHA Pro and Con comparison in Cloverly, Montgomery County, MD
In the year 2026, the USDA loan limit in Cloverly, within the county of Montgomery, MD, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300. These limits serve as a guideline for potential homeowners.
Lendersa® offers a USDA loan calculator to effectively compare today's top USDA versus FHA rates. This tool helps evaluate necessary income, credit qualifications, reserves, and documentation required for eligibility. With our comprehensive mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side, aiding your decision for the most suitable financial option in .
2026 Loan Limits and Down Payment Requirements in Cloverly, Montgomery, MD
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Cloverly, MD
Lendersa® is dedicated to swiftly securing the optimal USDA or FHA loan for you with minimal hassle. Select one of three pathways to find lenders matching with your needs and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. It is available only in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans need no down payment, providing significant advantages for eligible homebuyers.
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