USDA VS FHA in Eldersburg, Carroll County, MD

In 2025, the USDA loan limit for Eldersburg, within Carroll county, MD, is $466,400. Meanwhile, the FHA limit for single-family homes is $632,500.

Utilize Lendersa® USDA loan calculator to compare the leading rates for USDA versus FHA loans, assessing the necessary income, credit reserves, and documents needed to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in choosing the most suitable program for your financial needs in Alabama.

Explore loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2025 in Eldersburg, Carroll, 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 Eldersburg, MD

Lendersa®'s aim is to connect you quickly with the best USDA or FHA loans without hassle. Choose one of three starting approaches that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in MD?

A USDA home loan, commonly referred to as a USDA rural development loan or USDA mortgage, is insured by the Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



  • Florida Pro Mortgage LLC
  • 5005 West Laurel Street, Suite 212, Tampa, FL, 33607
  • Florida Pro Mortgage is your best source for the lowest-rate financing on the market. Why? Because as a brokerage we access mortgages at wholesale rates and pass the savings on to you. Florida Pro Mortgage works one-on-one with each individual client, evaluates their specific needs and finds a lender that suits their situation personally.
  • Reliable Mortgage Professionals LLC
  • 3001 North Rocky Point Drive East, Suite 200, Tampa, FL, 33607
  • At Reliable Mortgage Professionals, we are more than just a lending company. We know the impact that our business has on the lives of you, our clients, and we aim to make the process as enjoyable and beneficial as possible to ensure that your home-buying experience is not tainted with debt, stress, and uncertainty.
  • Goodwin Mortgage Group
  • 1511 N Westshore Blvd Suite 1150, Tampa, FL, 33607
  • The Goodwin Mortgage Group has a wide variety of loan products and experienced professionals to get you on the path to homeownership. We strive to take the stress out of buying a home by providing the best communication and assistance by walking our customers through the home buying process step-by-step
  • BlueGrey Mortgage
  • 1311 North Church Avenue, Tampa, FL, 33607
  • We are a full-service mortgage company—offering a multitude of loan programs to our clients. While we specialize in home loans, we can also assist clients needing a loan for commercial property or investment properties. In addition to brokering loans for home and property purchases, we also broker refinancing loans.
  • MiMutual Mortgage
  • 1207 N.Himes Ave, Suite 2, Tampa, FL, 33607
  • A privately held Retail non depository mortgage Lender, MiMutual is headquartered in Port Huron, Michigan, licensed and expanding in 35+ states. MiMutual is Federal Housing Administration Full-Eagle and direct Fannie Mae, Freddie Mac, and Ginnie Mae. Named top 5 203(k) Lender in the U.S. MiMutual also has In-House USDA.
  • Home Loans By U, Inc.
  • 4021 North Armenia Ave Suite 102, Tampa, FL, 33607
  • At Home Loans By U, we strive to provide 100% customer satisfaction. In these challenging economic times, we trust that Home Buyers/Home Owners will be happy to hear of a Mortgage Broker Firm that is offering a fair and honest service to assist in their mortgage financing transactions.
  • Residential Acceptance Corporation
  • 5027 W Laurel Street, Tampa, FL, 33607
  • RAC is a group of lending specialists dedicated to helping mortgage professionals close difficult loans on-time. For more than 19 years, RAC has been working one-on-one with mortgage brokers, originators and processors across the country to restructure troubled loans, and find clever ways to get loans approved and closed quickly.
  • Citizens Bank, Inc.
  • 21980 Palmer Street, Robertsdale, AL, 36567
  • Citizens' Bank has branches throughout Baldwin County, & its board members and employees live in Baldwin County. So, when we make decisions, we do so with our neighbors and community in mind. Since 1981 we have been building relationships that last, and it is with strength, prosperity & independence that we strive to be the premier community bank.
  • Embassy Mortgage Group Inc
  • 230 Main Street, Suite B, Safety Harbor, FL, 34695
  • Embassy Mortgage has a commitment to excellence in service while providing solutions and results in the mortgage process. We pride ourselves with dedicated and sincere personal service. With us you are not a number and will enjoy the attention you deserve. All of our loan officers and processors have Federal and State Mortgage Broker Licenses.