USDA and FHA Pro and Con in Ilchester, Howard County, MD

In 2025, USDA loan limit in Ilchester, county of Howard, MD is $466,400 while FHA limit is $632,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Ilchester, county of Howard, MD

Loan Type Loan Limit Down payment
USDA $466,400 0%
FHA $632,500 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Ilchester, MD

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Maryland?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Gallic & Johnson Financial
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  • Gallic & Johnson was an established business with an aging brand. The old, two-tone logo made it difficult for a single color print, and didn’t match the value of service they provided. As a financial company offering unique solutions for real estate loans, they needed a brand that resonated with potential clients and investors.
  • Stockton Mortgage R.E.L.S.C.
  • 6820 Pacific Avenue, Stockton, CA, 95207
  • Stockton Mortgage R.E.L.S.C. is the original Team of local experts for real estate loans. We strive to support our communities through easy to understand home loans, construction financing, and more! Mortgages are processed in a family friendly, yet boutique business atmosphere. 40 years Local & Now Online to Connect.
  • Tri-Valley Lending
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  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Central Valley Mortgage Group
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  • Valley Capital Lending
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  • Emerald Realty & Mortgage
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  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • H.O.M.E. Lending
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  • Our simple and effective approach speeds up the entire loan process and ensures our customers get the loan that best suits their individual needs at the most competitive rates. Whether it is your first home or an investment property we offer a wide range of financing options designed to meet your unique needs.
  • Mission San Jose Mortgage
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  • Mission San Jose Mortgage, we have the experience, financial strength, and personalized service you can count on. As a client of Mission San Jose Mortgage, you will benefit from the personal attention and experience of our licensed mortgage professionals coupled with our wide range of competitive mortgage products
  • USH Loans
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  • USH Loans As a community minded company, our mission is to provide extraordinary savings for dedicated Union and Association members, and members of the U.S. Armed Forces and their families, across the nation. We extend our appreciation to those entities- who mutually protect the community at large- by offering real rate.
  • Evans Mortgage Co
  • 6355 Riverside Blvd, Suite E, Sacramento, CA, 95831
  • Evans Mortgage Co. started in 1990. John and Marcia Evans set up their kitchen table with a simple phone line and fax machine, eager to help serve clients. It wasn't long before the company evolved into Evans & Grupp Mortgage and took up residence on Sutterville Road in Land Park. In the summer of 1993.
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  • 2463 Torino Street, Unit 4, West Sacramento, CA, 95691
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