USDA Vs. FHA Pro and Con comparison in Maryland-City, Anne Arundel County, MD

In 2026, the USDA loan cap in Maryland-City, within Anne Arundel county, MD, stands at $430,500. Meanwhile, the FHA limit for a single-family property is $538,200. These specified limits assist potential homeowners in making informed financial decisions.

Utilize the Lendersa® USDA loan calculator to compare the top rates between USDA and FHA loans today, and determine the necessary income, credit health, reserves, and documentation required to meet eligibility criteria. With our advanced mortgage tool, you can visually compare USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the program that best fits your financial strategy in .

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2026 Loan Limits and Down Payment Requirements in Maryland-City, Anne Arundel, MD

Loan Type Loan Limit Down Payment
USDA $430,500 0%
FHA $538,200 3.5%
Conventional Conforming $548,250 3%

Discover USDA and FHA Loan Options in Maryland-City, MD

Lendersa® aims to swiftly secure the most favorable USDA or FHA loan seamlessly. Choose one of three approaches to find compatible lenders and USDA loan programs tailored to your needs.

Illustrative results of Lendersa's USDA loan request process

Explaining USDA Loans in MD

The USDA home loan, backed by the U.S. Department of Agriculture and often called a USDA rural development loan or USDA mortgage, is designed specifically for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans provide the advantage of no down payment needed, thus facilitating an easier entry into homeownership for eligible applicants.

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



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