USDA and FHA Pro and Con in Perryville, Cecil County, MD

For 2025, the USDA loan cap in Perryville, county of Cecil, MD, stands at $381,800, whereas the FHA limit for a single-family home is $529,000.

Lendersa® offers a USDA loan calculator for comparing the optimal USDA versus FHA rates today, assessing necessary income, credit, reserves, and documents for approval. Our mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you choose the right program in for your financial needs.

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2025 Loan Limits and Downpayment Details in Perryville, Cecil, MD

Loan Type Limit Down Payment
USDA $381,800 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Paths in Perryville, MD

The goal of Lendersa® is to promptly secure the best USDA or FHA loan for you. Select one of three paths to connect with matching lenders and USDA loan opportunities.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MD

USDA home loans, guaranteed by the Department of Agriculture, also known as USDA rural development loans or mortgages, are available only in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans need no down payment.

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



  • Accelerated Lending Source Inc
  • 6 Inverness Court East, Suite 123, Englewood, CO, 80112
  • "We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. We pride ourselves on the following: We Do What's Right For You 100% of the Time. Our customers save money and close their loans quickly"
  • Houz Mortgage
  • 10700 East Geddes Avenue, Suite 155, Englewood, CO, 80112
  • The Houz Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • The Mortgage Co
  • 7343 S Alton Way, Suite 150, Englewood, CO, 80112
  • The Mortgage Co is licensed mortgage banker locally owned and headquartered in Centennial, Colorado, since 1996. We offer a wide variety of residential loan programs including Conventional, FHA, VA, USDA, CHFA, MMA, and many more. Visit our company website to learn more about all the services we offer at TheMortgageCo.com.
  • US Mortgages
  • 6855 S Havana St, Suite 500, Centennial, CO, 80112
  • US Mortgages has been serving the needs of Colorado homeowners for over 20 years. We offer a wide range of products to help you achieve all of your home buying and mortgage refinance goals. Our licensed Personal Mortgage Advisors will listen to your needs and show you the best options available.
  • Metrolink Mortgage
  • 7853 E. Arapahoe Ct, Suite 2100, Centennial, CO, 80112
  • Metrolink Mortgage is a Colorado based mortgage company. We provide first class service with a customer satisfaction business philosophy. Let us help you with your next refinance or purchase with a hassle free mortgage experience. We offer Conventional, FHA, and VA, USDA, and first time home buyer financing options with the fastest turn.
  • Colorado Lending Inc
  • 6851 South Holly Circle, Suite 280, Centennial, CO, 80112
  • The Colorado Lending Inc team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Pulte Mortgage
  • 7390 S. Iola Street, Englewood, CO, 80112
  • Pulte Mortgage is a wholly-owned financial services subsidiary of PulteGroup, Inc. (NYSE: PHM) that solely focuses on the financing of new construction homes for customers of Pulte Homes, Centex, Del Webb, DiVosta, and John Wieland Homes brands. Founded in 1972, Pulte Mortgage has financed more than 700,000
  • WINPRO Funds LLC
  • 6801 S. Emporia St., Suite 210, Greenwood Village, CO, 80112
  • WINPRO, LLC it is our mission is to provide socially responsible capital solutions to owners of commercial real estate through the delivery of premium lending products that provide flexibility and knowledgeable services to borrowers, while simultaneously utilizing innovative and experienced risk management capabilities.
  • Star Tech Federal Credit Union
  • 5310 DTC Parkway, Suite H, Greenwood Village, CO, 80111
  • Star Tech FCU serves all employees and residents of Greenwood Village and the Denver Tech Center. STAR TECH FEDERAL CREDIT UNION is a company based out of 5310 Dtc Pkwy Ste H, Greenwood Villa, Colorado, United States. Star Tech FCU offers the best of both worlds - 24/7 access to your money with personalized service!