USDA VS FHA in Ilchester, Howard County, MD

For 2026, the loan limit set by the USDA in Ilchester, within the county of Howard, MD, is $466,400. Meanwhile, for a single-family home, the FHA limit is $632,500.

Use the Lendersa® USDA loan calculator to weigh today's top rates between USDA and FHA. Ascertain the necessary income, credit, reserves, and needed documents to qualify. Our advanced mortgage tool places USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option in for your finances.

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2026 Loan Limits and Down Payment Requirements 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%

Exploring USDA and FHA Loan Options in Ilchester, MD

Lendersa® is dedicated to swiftly securing the best USDA or FHA loan for you, hassle-free. Choose from these three starting points to effectively match with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MD

The USDA home loan, guaranteed by the government through the Department of Agriculture, also known as a USDA rural development loan or mortgage, is offered solely in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.

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



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