For 2025, 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.
Explore loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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