USDA Vs. FHA Pro and Con comparison in Gaithersburg, Montgomery County, MD
For 2026, the USDA loan limit within Gaithersburg, Montgomery county, MD, is set at $776,600. Meanwhile, the FHA loan limit for a single-family home is $1,089,300.
The Lendersa® USDA loan calculator can be used to compare today's top USDA and FHA rates, assisting in identifying required income, credit, reserves, and documentation for qualification. Our comprehensive mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, facilitating the decision on which program fits your financial needs best in Alabama.
Loan Limits and Down Payment Requirements for 2026 in Gaithersburg, Montgomery, MD
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Available USDA and FHA Loan Programs in Gaithersburg, MD
Lendersa® aims to efficiently connect you with the ideal USDA or FHA loans quickly and without hassle. Choose one of three pathways to find matching lenders and USDA loan programs.
A USDA home loan is a mortgage supported by the U.S. Department of Agriculture, also known as a USDA rural development loan. It is available exclusively in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment at all.
Sunny Lending LLC has a combined 25+ years of experience in the mortgage industry, including both residential and commercial mortgages. Our staff commands a wide range of experiences working with different banks and financial institutions. We provide unique service to better serve your financial needs.
656 Quince Orchard Road, Suite 120, Gaithersburg, MD, 20878
Lends in Maryland
At Eagle Creek Mortgage LLC, a one stop shop for all your mortgage needs. You can find information on all of our loan officers, as well as, find all the resources you will need when shopping for a mortgage. EAGLE CREEK MORTGAGE, LLC is a banking company based out of 656 QUINCE ORCHARD RD, Gaithersburg, Maryland, United States.
2656 Quince Orchard Rd, Suite 120, Gaithersburg, MD, 20878
Lends in Maryland
Eagle Creek Mortgage, LLC mission is to serve our clients with honesty, integrity and competence. Our goal is to provide no-points mortgage loans to our customers while affording them the lowest possible interest rates and closing costs. Furthermore, we pledge to provide unparalleled service to each and every one of our borrowers.
555 Quince Orchard Road, Suite 411, Gaithersburg, MD, 20878
Lends in Maryland
FDM was started by a group of 5 professionals in the basement of a home. Our vision was to build a mortgage company where clients and employees had a choice to make an educated decision. With these 5 professionals and armed with over 10 years of mortgage experience and industry knowledge, FDM went operational.
839 L Quince Orchard Blvd, Gaithersburg, MD, 20878
Lends in Maryland
"We are experts in Commercial Real Estate Lending including: Acquisition Loans, Construction Loans, Short Sales, Foreclosure Financing. Apart from lending we are experienced Real Estate developers and builders, with many contacts in and around the DC area. We are a small business with only a few employees so you will always speak directly to us."
806 West Diamond Ave. Suite 340, Gaithersburg, MD, 20878
Lends in Maryland
We are a team of real estate and finance experts with a radically different approach to lending. Our investment philosophy is quite simple: we finance promising real estate investment opportunities. We provide our borrowers with super fast and dependable access to funds they need to buy, renovate, operate or sell single, multi-family and commerci
19785 Crystal Rock Drive, Suite 201, Germantown, MD, 20874
Lends in Maryland
SkyPoint Federal Credit Union is one of the premier financial institutions serving Montgomery County, Md.; Frederick County, Md.; Arlington County, Va.; Alexandria and Falls Church, Va.; and the District of Columbia. SkyPoint FCU strives to offer its members a wide array of financial services.
Mid-Atlantic Federal Credit Union (MAFCU) is a not-for-profit institution managed for the sole benefit of its members, and offers many financial services at better rates and fees. Profits are returned to MAFCU members in the form of higher savings rates, lower loan rates, and lower fees. Membership is open to anyone who lives, works, worships.
Our mission is to serve our customers with honesty, integrity and competence to home buyers looking for financing and refinancing options with a fast turn around. We aim to provide home loans to our clients with interest rates and closing costs that are as low as possible. With each client we pledge to help
