USDA and FHA Pro and Con in Elkridge, Howard County, MD

In 2025, the USDA loan limit for Elkridge, situated in Howard county, MD, is $466,400, while the FHA limit for a single-family home stands at $632,500.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side to help you decide which program in is optimal for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Elkridge, Howard County, 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 Elkridge, MD

The mission of Lendersa® is to secure the best USDA or FHA loan efficiently and without hassle. Choose one from three starting points to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in MD?

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan, is available in rural areas only. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.

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



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