USDA and FHA Pro and Con in Middletown, Frederick County, MD
For the year 2026, the USDA loan ceiling in Middletown, situated in the county of Frederick, MD, is set at $776,600. In contrast, the FHA limit for a single-family dwelling stands at $1,089,300. These figures play a crucial role in financial planning for potential homeowners.
Maximize the benefits of the Lendersa® USDA loan calculator to closely examine the most competitive rates between USDA and FHA today. This tool also helps identify necessary income, credit score details, reserves, and essential documentation for qualification. Our sophisticated mortgage calculator provides a comparative view of USDA, FHA, Conforming, and VA loans side by side, simplifying your decision on which program is optimal for your financial circumstances in .
2026 Loan Limits and Downpayment Requirements in Middletown, Frederick, MD
Loan Type
Loan Limit
Downpayment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Opportunities in Middletown, MD
The mission of Lendersa® is to simplify the process of obtaining the best USDA or FHA loan efficiently and with minimal stress. Begin by choosing from three pathways to connect you with lenders and detailed USDA loan programs.
A USDA home loan is a government-backed mortgage, specifically through the Department of Agriculture, also known as USDA rural development loans or USDA mortgages. These loans are uniquely available in rural localities. Unlike FHA loans that mandate a minimum downpayment of 3.5%, USDA loans require no downpayment, offering a significant advantage for eligible applicants.
11140 Rockville Pike, Suite 400, Rockville, MD, 20852
Abel Commercial Funding offers business and commercial real estate financing products all over the country and is a leading lender for commercial finance. We have spent years helping businesses of all sizes thrive in an up and down market. We know you need plenty of working capital to keep your business successful
Corridor Mortgage Group, we nurture the integrity in every employee. We believe each employee should bring strong relationships and build new ones within the company that foster an atmosphere where teamwork is second nature. Every employee should excel at their position; we hire only employees with the highest level of competency.
11110 Dovedale Ct, Suite 28A, Marriottsville, MD, 21104
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
12123 Heritage Park Circle, Silver Spring, MD, 20906
1RATE is a premier mortgage advisory firm. 1RATE specializes in home purchases, refinance, FHA loans, VA Loans. We guide our clients to review and select the best mortgage that fits their financial strategy - and show them how to leverage their mortgage as a financial tool instead of a burden. We are client-first by being employee-first!
Clarksville Mortgage Corporation, where we specialize in residential mortgages. At Clarksville Mortgage Corporation, 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.
Oak Hill Mortgage, LLC, a veteran owned company, is committed to providing our clients with the highest quality loan origination services, combining outstanding service with very competitive rates. We work with our clients to structure the right loan solution (lender, program, rate, and terms) to satisfy your home financing needs.
Colonial Mortgage Capital is more than just a mortgage lender. We provide continual financial guidance to help you manage your debt, make the best financial decisions, and save money — even after you move into your new home. We take the guesswork out of the home buying process so you can, make the best decisions for your financial future.
12040 South Lakes Drive, Suite 102, Reston, VA, 20191
Founded in 1997 with a goal to provide equitable mortgage solutions for home buyers, home owners and investors, nearly a decade later, Americorp Mortgage Services, Inc. consistently meets and exceeds its customer expectations. With an overall satisfaction rating of 'Excellent', Americorp Mortgage Services is committed to extraordinary service
6500 Rock Spring Drive, Suite 204, Bethesda, MD, 20817
Washington Home Mortgage is an independent mortgage broker company, long-established and highly-respected throughout the D.C./Maryland community for over 20 years. We work with a wide variety of lenders, allowing us to obtain the best possible rates and finanical outcomes for our clients.
10411 Motor City Dr, 7th Floor, Bethesda, MD, 20817
"Infinity Capital Finance is a direct private money lender that provides financing through loans secured by non-owner occupied residential real estate.
With more than 30 years of combined experience, the partners of Infinity Capital Finance have organized operations around sound business practices, integrity, efficiency,"
