In 2026, the USDA loan limit in Hagerstown, within Washington county, MD, is set at $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, assessing the income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide the best program for your financial scenario in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to quickly secure you the best USDA or FHA loans without hassle. Choose one of three starting paths that connect you to matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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