USDA VS FHA in Montgomery-Village, Montgomery County, MD

In 2026, the USDA loan limit in Montgomery-Village, situated in Montgomery county, MD, is $657,900. The FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates, assessing the income, credit reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans to help you choose the most suitable program for your financial situation in Alabama.

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2026 Loan Limits and Down Payment Requirements in Montgomery-Village, Montgomery, MD

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Montgomery-Village, MD

Lendersa® aims to connect you to the best USDA or FHA loans swiftly and without trouble. Choose one of three starting points to align with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MD

A USDA home loan, known also as a USDA rural development loan or USDA mortgage, is insured by the Department of Agriculture and is available in rural neighborhoods. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans do not require any down payment.

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



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  • 8810 Commodity Circle, Suite 17, Orlando, FL, 32819
  • Whether you are buying a new home, refinancing your existing mortgage or purchasing a commercial property, we will help. With access to a vast variety of residential and commercial loan products through our lender network, Silver Star Mortgage will help you find the perfect mortgage solution. Silver Star Mortgage IS reliable.

  • Marymont Financial Services
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  • At Marymont Financial Services. We are a full-service mortgage company based in Orlando, Florida, serving the entire state of Florida and Georgia. We specialize in FHA Loans, Conventional Loans, and VA Loans in Orlando. We also serve the surrounding cities in Orange County. Whether you are buying a home or refinancing in the zip code 32819

  • TMG MORTGAGE GROUP
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  • TMG MORTGAGE GROUP a TD Home Loans, Inc company Wade Darius Senior Loan Officer, a Real Estate Broker at TD Homes Real Estate, a Private Real Estate Wealth Client Advisor, a former Senior Mortgage Underwriter with some of the top U.S. Banks, and a former Candidate for Congress – Florida Congressional District 10.

  • Salvamerica LLC
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  • Flow America Mortgages LLC
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  • The Money House, Inc.
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  • My Florida Mortgage Solutions, INC.
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  • My Florida Real Estate Group is an affiliate of My Florida Mortgage Solutions and may receive a financial benefit by working together. We are here to help you and guide you during the process of the purchase or refinance of your house or commercial business. Call us and make your appointment today

  • Florida Funding
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  • "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.
    Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan."

  • Homespire Mortgage
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  • Homespire Mortgage is an award-winning mortgage lender, proudly operating branches across 36 states. Whether you’re buying a home or refinancing, you’ve come to the right place. At Homespire Mortgage, we’ve completely re-invented the mortgage process to create a worry-free and hassle-free mortgage experience for you.