USDA Vs. FHA your options comparison in Middletown, Frederick County, MD

In 2025, USDA loan limit in Middletown, county of Frederick, MD is $776,600 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Middletown, county of Frederick, MD

Loan Type Loan Limit Down payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA loan options in Middletown, MD

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Maryland?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Lee Bank and Trust Company
  • 41371 West Morgan Avenue, Pennington Gap, VA, 24277
  • Lee Bank & Trust Company was formed in 1932 when four small Lee County banks, in business as far back as the mid-1800s, merged during the Great Depression. More than eighty five years later, the bank continues to be a strong, stable, and secure institution within its communities with approximately $154 million in assets
  • Midtown Home Mortgage LLC
  • 4221 Cass Avenue, Apartment 600, Detroit, MI, 48201
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to ensure each borrower becomes educated on the mortgage process and never feels left in the dark. Midtown Home Mortgage researches the best products on the market to provide our client’s the best deal possible
  • Lithium Federal Credit Union
  • 1111 Bessemer City Kings Mountain Highway, Bessemer City, NC, 28016
  • The organizational meeting of LCA Federal Credit Union was held on December 17, 1956. Thirty eight potential members attended along with the nine members that incorporated the credit union idea. Officers were elected and guidelines were established. The first Directors meeting was held immediately after the organizational meeting.
  • Cardinal Financial
  • 3701 Arco Corporate Drive, Suite 200,, Charlotte, NC, 28273
  • At Cardinal Financial, we know mortgage lending is more than just loans—it's about helping people achieve their homeownership dreams. With a focus on listening, understanding your unique story, and customizing solutions, I provide a seamless experience from start to finish. Let’s work together to find the perfect loan and make your dreams a reality
  • Cardinal Financial Company
  • 3701 Arco Corporate Drive, Suite 200, Charlotte, NC, 28273
  • When we started Cardinal Financial, we set out with the intention of creating a better mortgage experience. We wanted to reimagine and modernize the way home loans are obtained by bringing increased transparency, simplicity, and speed into an industry that has oftentimes lacked all three.
  • Kellum Mortgage
  • 27560 Groesbeck Hwy, Suite 2, Roseville, MI, 48066
  • We fund hard money commercial loans. With over fifty Private Lenders. Even in these tough economic times KCG is able to fund difficult hard money commercial loans that most other lenders would turn down. Special Circumstance Financing Structures are available for almost any type of commercial real estate, that cannot be funded
  • Dayton Capital Partners
  • 2702 Linden Ave #102, Dayton, OH, 45410
  • Dayton Capital Partners, LLC is a direct lender and mortgage broker for real estate investors. We specialize in Hard Money Loans and Transactional funding. We also assist Ohio investors with rental loans. Most of our loans are for single family, small multifamily and apartment buildings
  • Lincoln Park Community Credit Union
  • 1400 Emmons Boulevard, Lincoln Park, MI, 48146
  • Lincoln Park Community Credit Union is proud to celebrate 80 years helping our members be the heroes of their financial lives. Our story starts with you. We’re a small credit union with a big story and we want to help you with yours. We started in the janitor’s closet of a school
  • Maumee Valley Credit Union
  • 28 Fearing Boulevard North, Toledo, OH, 43607
  • "Founded in 1942, Maumee Valley Credit Union is celebrating its 78th anniversary this year. Our original field of membership consisted of employees of the New York Central Railroad, Penn Central Railroad, and Consolidated Rail Corporation. With increased popularity and demand for credit union services we began to expand our field of membership
  • KH Credit Union
  • 7740 Paragon Road, Dayton, OH, 45459
  • At KH Credit Union, we do the same by taking care of the financial needs of our members; the healthcare professionals of Kettering Health and their families. We are committed to providing the best possible service, efficiently and inexpensively. KH Credit Union is a not-for-profit financial institution.