In 2025, within Hampstead, Carroll county, MD, the USDA loan limit is $466,400. For a single-family home, the FHA cap is $632,500.
Use Lendersa®'s USDA loan calculator to evaluate the best available USDA versus FHA rates today. Identify the income, credit, reserves, and documentation required for qualifying. Our sophisticated mortgage calculator provides a comparative view of USDA, FHA, Conforming, and VA loans, helping to choose the right program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $466,400 | 0% |
| FHA | $632,500 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to secure the best USDA or FHA loans for you quickly and without hassle. Choose one of three starting points to connect with suitable lenders and explore USDA loan offerings.
A USDA home loan, also known as a USDA mortgage or rural development loan, is backed by the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans need no down payment, making them more accessible to eligible homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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