USDA Vs. FHA your options comparison in Lutherville, Baltimore County, MD
In 2026, the USDA loan cap in Lutherville, part of Baltimore county, MD, is $466,400, whereas the FHA limit for a single-family home is $632,500.
Utilize Lendersa® USDA loan calculator to examine the best rates available today for USDA versus FHA loans and determine the required income, credit score, reserves, and documentation needed to qualify. Our robust mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, enabling you to decide which program in aligns with your specific financial needs.
Loan Limits and Down Payment Requirements for 2026 in Lutherville, Baltimore County, MD
Loan Type
Loan Limit
Down Payment
USDA
$466,400
0%
FHA
$632,500
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Choices in Lutherville, MD
The aim of Lendersa® is to efficiently assist you in obtaining the most favorable USDA or FHA loan without unnecessary hassle. Choose one of three starting points to connect with suitable lenders and explore USDA loan programs.
A USDA home loan, insured by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is applicable solely to rural areas. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA loans require none, offering a more accessible option for eligible buyers.
We've been in business since 1994. We are a small family owned and operated mortgage company. We are dedicated to providing the highest level of service and expertise to our clients. Our approach is unique. We listen. We listen to what your needs and goals are. Then we use our knowledge and expertise
SoCal Pacific Real Estate Services, where we specialize in residential mortgages. At SoCal Pacific Real Estate Services, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
At Pacific Tech Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
4195 Chino Hills Parkway, Suite 469, Chino Hills, CA, 91709
City Fund Mortgage began with a clear vision of ethical lending and quality service. With over a century of combined lending experience amongst our team, a vast array of loan product offerings, and an emphatic commitment to superior customer service, the company has managed to stay competitive in an ever changing
JBee Home Loans is a growing residential mortgage lender in California built on a proven track record as a long-time industry leader. The Los Angeles-based company, founded by Joel & Jill Burlingame, specializes in standardized home loans, VA loans, FHA loans, low-credit score approval loans, refinancing and more
8989 Rio San Diego Dr, Suite 100, San Diego, CA, 92108
Steven is a Mortgage Loan Officer based out of San Diego and services all of California. Steven was born in Los Angeles and at a young age moved to Europe with his family while his Mother served in the Army. Steven grew up in Europe giving him an understanding of world cultures. Steven attended college at the University of Las Vegas, Nevada and aft
1565 Hotel Cirlce South, Suite 145, San Diego, CA, 92108
Danielle Rapozo is a highly experienced real estate professional who specializes in California mortgage loans. Danielle consider herself a true San Diego mortgage expert, taking pride in making it happen for her clients. Danielle entered the Real Estate industry in 1998 where she took a position managing a Real Estate team.
8885 Rio San Diego Drive, Suite 347, San Diego, CA, 92108
Since 2004, we've helped over two thousand veterans and active duty members discover their dream home and save thousands on smart refinancing, with military home loans. Our appreciation of service members is deeply rooted within our company. We are dedicated to providing YOU with unmatched benefits & customer support.
