In 2025, the USDA loan limit for Kemp-Mill, situated in the county of Montgomery, MD, is $657,900. In contrast, the FHA limit for a single-family home is $822,375. These figures are essential for understanding your home financing options.
Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates currently available. Determine the necessary income, credit score, reserves, and required documents for loan qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the program best suited to your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The primary aim of Lendersa® is to swiftly secure the optimal USDA or FHA loan for you without any hassle. Choose from one of three starting points to connect with compatible lenders and explore USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is specially designed for rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans offer no-down-payment finance options, presenting a valuable opportunity for eligible buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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