USDA Vs. FHA Pro and Con comparison in Golden-Beach, St. Mary's County, MD

In 2026, the USDA loan cap for Golden-Beach, within St. Mary's county, MD, stands at $285,000, while the FHA limit for a single-family home is set at $356,362.

Utilize Lendersa®'s USDA loan calculator to compare today’s prime USDA and FHA rates, determining the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator facilitates side-by-side examination of USDA, FHA, Conforming, and VA options, aiding your decision on the best program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Golden-Beach, St. Mary's, MD

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Golden-Beach, MD

The objective of Lendersa® is to quickly secure you the best possible USDA or FHA loan, without hassle. Select one of three starting points to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MD

A USDA home loan, backed by the government’s Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. 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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