In 2026, the USDA loan limit for North-Laurel, situated in Howard county, MD, is $430,500. For a single-family home, the FHA limit is $538,200.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates. This tool will help you assess the necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most suitable program in for your financial needs.
2026 Loan Limits and Downpayment Requirements in North-Laurel, Howard County, MD
Loan Type
Loan Limit
Down Payment
USDA
$430,500
0%
FHA
$538,200
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in North-Laurel, MD
At Lendersa®, our aim is to quickly and smoothly secure the best USDA or FHA loan for you. Choose one of the three starting points to pair with lenders and explore USDA loan programs.
A USDA home loan is secured by the government's Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages require no down payment.
Our members entrust us with the enormous responsibility of helping them reach their financial goals. Everyone at APL FCU works tirelessly to be worthy of that trust, and to create the best member experience possible. If you live, work, regularly conduct business in or attend school in Howard County, Maryland.
Market USA, a full-service financial institution, was originally chartered in 1953 to serve Giant Food employees in the Mid-Atlantic region. Throughout the years our membership has grown to include additional grocery store chains such as Giant of Carlisle, Stop and Shop, and BI-LO, as well as over 80 select employer groups.
8621 Robert Fulton Drive, Suite 150, Columbia, MD, 21046
Lends in Maryland
We believe owning a home is one of the greatest wealth builders out there. So our goal is to make homeownership more accessible, and to help more people buy homes. and also We make lower happen—lower fees. Lower rates. Lower interest. Lower payments. Lower hassle. So our borrowers get a better mortgage experience, for less. With Lower.
10015 Old Columbia Rd, Suite H-125, Columbia, MD, 21046
Lends in Maryland
HARD MONEY BANKERS is a full service and self-funded private/hard money lending company providing fast and flexible financing for residential and commercial investment real estate deals. We are currently lending in Maryland, Washington DC, Virginia, Pennsylvania, Delaware and New Jersey.
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WSSC Federal Credit Union (WSSC FCU) was chartered in April 1964 with an initial asset base of $2, 000. Since then, the Credit Union has grown to over $30 million in assets with over 4, 000 members. We serve WSSC Water employees, retirees, contractors, and their families; members and employees of Reid Temple AME and Kingdom Fellowship AME Churches.
Tower Federal Credit Union was ranked #1 on Forbes Magazine’s Best-in-State Credit Unions for 2021, and was one of only five Maryland credit unions to make the Forbes Best-in-State list in 2020.
Tower Federal Credit Union was formed in 1953 when its seven original members pooled together their money
Diamond Financial Mortgage Corporation has helped many families buy a home with the loan that is right for them. We pride ourselves on our technical expertise and are committed to exceeding our clients' expectations. We work together with our clients to understand their needs, wants, and expectations and offer a flexible approach
"NewDay USA is building our nation's leading VA mortgage company, serving America’s veterans and their families, to help Veterans like you get the financial security and peace of mind you deserve.
Since 2004, NewDay USA has set out to improve the lending experience for Veterans, Service members and their family members."
