USDA Loan Vs. FHA loan pro & con La-Plata, Charles County, MD

For 2026, the USDA loan limit in La-Plata, situated in Charles County, MD, is $657,900. Meanwhile, the FHA cap for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to evaluate today's leading rates between USDA and FHA. This tool helps determine the necessary income, credit, reserves, and documents needed to qualify. Our comprehensive mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the optimal program in for your financial needs.

Exploring USDA and FHA Loan Options in La-Plata, MD

Lendersa® aims to secure the most favorable USDA or FHA loan quickly and without hassle. Choose one of three starting paths to find matching lenders and explore USDA loan programs.

Results of USDA loan requests at Lendersa

What is a USDA Loan in MD?

A USDA home loan, supported by the Department of Agriculture and also called a USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require none.

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La-Plata Lenders
(240) 988-7995 Lender's profile and map LBG Lending Services LLC 4333 Charles Crossing Drive, White Plains, MD, 20695 Lends in Maryland LBG (Led By God) Lending Servieces is a Christian and Veteran owned company. 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.
(301) 932-4610 Lender's profile and map Colonial Mortgage Group 3261 Old Washington Road, Suite 1011, Waldorf, MD, 20602 Lends in Maryland Colonial Mortgage Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism
(301) 856-5000 Lender's profile and map U. S. Postal Service Federal Credit Union 7905 Malcolm Road, Suite 311, Clinton, MD, 20735 Lends in Maryland U. S. Postal Service Federal Credit Union is a member-owned and operated not-for-profit financial cooperative chartered in 1934 under federal law. USPS FCU provides sound financial support for Postal Workers, Postal Retirees, and Postal Family Members. We encourage our members to make wise financial choices for the well-being of themselves.
(202) 815-5599 Lender's profile and map Your Mortgage Genie LLC 13205 Sunfield Terrace, Fort Washington, MD, 20744 Lends in Maryland We are a full-service mortgage company for first-time homebuyers servicing MD, Washington DC, VA, and FL. We specialize in Residential Real Estate Loans with options to UNLOCK YOUR DREAMS.What makes Your Mortgage Genie unique is we strive to meet individual goals by offering customized products and investment tools to service your individual goal
000-000-0000 Lender's profile and map Potomac Trust Mortgage Company LLC 10009 Indian Queen Point Road, Fort Washington, MD, 20744 Lends in Maryland Potomac Trust Mortgage we are committed to providing customers with the best service and rates available. We are a local company who’s professional staff goes above and beyond to assist our clients with the entire loan process. Our goal is to make the loan process as simple and stress-free as possible.