USDA and FHA Pro and Con in Halfway, Washington County, MD

In 2026, the USDA loan limit for Halfway, found in Washington County, MD, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to assess today's top USDA and FHA rates. Determine the income, credit score, reserves, and required documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Halfway, Washington County, MD

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA Loan Options in Halfway, MD

Lendersa®'s goal is to secure the best USDA or FHA loan for you quickly and without hassle. Choose one of three starting points to find matching lenders and explore USDA loan programs.

  1. Submit your request for optimal USDA/FHA loan options
  2. Review USDA and FHA rates & terms first
  3. Access the largest USDA lender database
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What is a USDA Loan in MD?

A USDA home loan, supported by the U.S. Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is only available in rural neighborhoods. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require none.

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Halfway Lenders


  • Bulldog Federal Credit Union
  • 580 Northern Avenue, Hagerstown, MD, 21742
  • Lends in Maryland

  • Bulldog Federal Credit Union was organized on July 16, 1968, by a group of Mack Truck Union Local 171 employees to provide their coworkers with an economical alternative to local finance companies that charged high interest rates & imposed stiff penalties for late payments. Volunteers, board of directors were responsible for day-to-day operations.

  • Washington County Teachers Federal Credit Union
  • 19638 Leitersburg Pike, Suite 100, Hagerstown, MD, 21742
  • Lends in Maryland

  • The Credit Union was established in 1949 by fifty Washington County educators. For many years, volunteers operated the Credit Union from their homes. In 1979, the Credit Union opened its first dedicated office space in a trailer on the bus lot of the Board of Education. The Williamsport branch opened in April 2005.
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