In 2026, the USDA loan limit in Essex, situated in Baltimore county, MD, is set at $466,400. The FHA limit for a single-family home is $632,500.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, assessing the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA options to help you choose the best program for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $466,400 | 0% |
| FHA | $632,500 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to connect you seamlessly with the best USDA or FHA loan opportunities, hassle-free. Choose one of three paths to find matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is insured by the U.S. Department of Agriculture and is designated for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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