USDA Vs. FHA Pro and Con comparison in Ferndale, Anne Arundel County, MD

In the year 2025, the USDA loan limit for Ferndale in Anne Arundel county, MD, is set at $466,400. Conversely, the FHA limit for a single-family home is established at $632,500, guiding prospective borrowers in their choices.

Utilize the Lendersa® USDA loan calculator to contrast today's premium USDA and FHA rates. This tool evaluates the necessary income, credit profile, reserves, and documents essential for eligibility. Our advanced mortgage calculator offers a comparative view of USDA, FHA, Conforming, and VA loans side by side, assisting you in determining the best financial fit for your situation in .

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2025 Loan Limits and Down Payment Requirements in Ferndale, Anne Arundel, MD

Loan Type Loan Limit Down Payment
USDA $466,400 0%
FHA $632,500 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Ferndale, MD

The objective of Lendersa® is to quickly and seamlessly secure the most advantageous USDA or FHA loan for you. Choose from three strategic starting points leading to matching lenders and suitable USDA program options.

Lendersa USDA loan request results visualization

What Defines a USDA Loan in MD?

A USDA home loan, guaranteed by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It is specifically for rural areas and does not require a down payment, unlike FHA loans that mandate at least a 3.5% down payment, providing a significant benefit for eligible buyers.

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



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