In 2026, the USDA loan limit for Frederick in the county of Frederick, MD, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare the current top rates of USDA against FHA loans. It will help you understand the income, credit, reserves, and documentation essential for qualification. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA side by side, ensuring you select the most suitable program in Alabama for your financial circumstances.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The mission of Lendersa® is to connect you swiftly and easily with the perfect USDA or FHA loans. Choose one of three starting paths that lead you to compatible lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is supported by the U.S. Department of Agriculture and is specifically for rural locales. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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