In 2026, the USDA loan cap in Ocean-Pines, situated in Worcester County, MD, is $285,000. On the other hand, the FHA limit for a single-family home stands at $356,362.
Try using Lendersa®'s USDA loan calculator to compare the current best rates between USDA and FHA. It will help you determine the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, aiding your decision for 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% |
Lendersa® is here to facilitate obtaining the best USDA loan or FHA loan with ease and no delays. Start with one of three options that connect you to lenders and USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, often termed a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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