As of 2025, the USDA loan limit in Indian-Head, Charles, MD, stands at $657,900, whereas for a single-family home, the FHA limit is $822,375.
Use the Lendersa® USDA loan calculator to find and compare the best rates today for USDA versus FHA loans. This tool ensures you know the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, assisting you to pick the program in
Compare offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The mission of Lendersa® is to quickly and effortlessly secure you the top USDA or FHA loan. Choose one of the three entry points to find matching lenders and USDA programs.
The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available only in rural areas. In contrast to FHA loans, which require a down payment of at least 3.5%, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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