In the year 2026, the USDA loan cap for Ocean-City, located in Worcester county, MD, is set at $285,000. Meanwhile, the FHA limit for a single-family dwelling is $356,362.
To weigh today's optimal USDA against FHA rates, use the Lendersa® USDA loan calculator. Determine what income, credit score, reserves, and documentation are necessary for eligibility. This advanced mortgage calculator allows a direct comparison between USDA, FHA, Conforming, and VA loans, so you can make an informed choice on the best program 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% |
The aim of Lendersa® is to provide you with the best possible USDA or FHA loan quickly and with ease. Choose from one of three paths to find matching lenders and USDA loan programs.
The USDA home loan, also known as a rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans necessitate no down payment, making them more accessible for eligible buyers in rural neighborhoods.
Enter your location to find out if it qualifies for USDA rural housing loan?
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