USDA and FHA Pro and Con in Columbia, Howard County, MD
In 2025, the USDA loan limit for Columbia in Howard county, MD, is $466,400, compared to the FHA limit of $632,500 for a single-family home.
Utilize the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, determining the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator reveals USDA, FHA, Conforming, and VA loans side by side, guiding you to the program best suited to your particular financial situation in Alabama.
2025 Loan Limits and Down Payment Requirements in Columbia, Howard, 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 Choices in Columbia, MD
Lendersa®'s objective is to connect you with the best USDA or FHA loans swiftly and without hassle. Choose one of three starting points to locate matching lenders and the appropriate USDA loan programs.
The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and specifically designed for rural neighborhoods. Unlike FHA loans, which necessitate a minimum of 3.5% down payment, USDA loans require none.
Certainty Home Loans has been helping homebuyers for over 20 years, with a focus on making homeownership a reality by putting people first and investing in the right technology and Our core belief is that our Certainty family is our #1 asset. We never want to lose sight of the importance of our team members or of our values: integrity, quality.
Palo Savings Bank, in Palo, IA, is the area's leading bank serving Cedar Rapids, Palo, Marion, Hiawatha, Shellsburg, Vinton & surrounding areas since 1908. We offer checking and savings accounts, IRAs, loans, bill pay, online banking, mobile banking, e-statements, remote deposits & much more. For more information, contact Palo Savings Bank in Palo.
Since we opened our doors in 1931, we’ve been making each and every one of our members feel like they count. And in fact, they do — every member of G.E.C.U. is also a partial owner. There’s always been and always will be a staff of friendly, helpful people at G.E.C.U. who get to know you by name.
The Waukon Bank was officially incorporated as “Waukon State Bank” on April 22, 1892. The bank was in good financial condition and survived the depression years without one penny lost by depositors.The bank had various locations in downtown Waukon before moving to the current location in 1937.
Suarez Home & Finance Corporation is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools.
At E Loans Mortgage Inc, 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 loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Approved Mortgage is a family-owned and operated residential mortgage lender. Our mission is to assist you in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.
Since 1904 Bank of Kilmichael has been committed to community banking and to our local towns and cities. If there’s one thing we've learned over these past 100-plus years of serving our customers, it’s that friendly goes a long way. A long way toward keeping our customers loyal year after year, generation after generation.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
