In 2026, the USDA loan threshold in Mountain-Lake-Park, county of Garrett, MD, is $285,000, whereas the FHA cap for a solitary residence reaches $356,362.
Employ the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today, and assess the required income, credit profile, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a comprehensive view, allowing you to juxtapose USDA, FHA, Conforming, and VA loans, effectively steering you towards the most suitable program for your financial context in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to facilitate the acquisition of the best possible USDA or FHA loan with efficiency and ease. Select one of the three pathways to identify matching lenders and preferred USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available specifically in rural communities. It is distinguished by the fact that unlike FHA loans, which require a minimum of a 3.5% down payment, it does not necessitate any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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