USDA Vs. FHA Pro and Con comparison in Potomac, Montgomery County, MD

During 2026, the USDA loan limit in Potomac, county of Montgomery, MD, is $776,600. For a single-family home, the FHA limit is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare the current USDA versus FHA rates and assess the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the most suitable program for your financial needs in Alabama.

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2026 Loan Limits and Downpayment Requirements in Potomac, Montgomery, MD

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Choices in Potomac, MD

Lendersa® is dedicated to rapidly connecting you with ideal USDA or FHA loans without hassle. Choose from three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MD

A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require none.

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



  • ACC Mortgage Inc.
  • 1801 Research Blvd, Suite 410, Rockville, MD, 20850
  • For over 20 years, All Credit Considered Mortgage, Inc. (ACC Mortgage) has been committed to bettering the community and the financial positions of its customers. Our focused, philosophy-driven lending has positioned ACC Mortgage as a leading private money company in the Washington DC market to now offering it's products in 21 states and the Distri
  • Pathlight Home Mortgage Solutions
  • 10409 Brunswick Avenue, Silver Spring, MD, 20902
  • Pathlight Home Mortgage Solutions as a full service broker in Maryland, the District of Columbia, and Virginia, I partner with some of the best lenders to deliver residential and commercial mortgages for purchases and refinances quickly with low interest rates and low closing costs.
  • Arlington Community Federal Credit Union
  • 2130 N Glebe Rd, Arlington, VA, 22207
  • Ever since we started in 1952, we have been passionate about empowering the financial lives of our members and giving back to our local community. It's who we are. Guided by our shared values, today our commitment is stronger than ever to provide remarkable service to each and every member, while continuing to provide a full array of financial prod
  • ABC United Finance Corp
  • 7777 Leesburg Pike, Suite 400N, Falls Church, VA, 22043
  • ABC United Finance mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Loansteady LLC
  • 7115 Leesburg Pike, Suite 208, Falls Church, VA, 22043
  • Loansteady, we believe in bringing a much-needed dose of humanity to the mortgage process. We’re built on decades of experience, and the idea that price and convenience should not come at the expense of dedicated service. Small-by-design, we’re able to work with greater agility while remaining fully focused on what’s most important – people.
  • Washington Capital Partners
  • 2815 Hartland Rd, Suite 200, Falls Church, VA, 22043
  • "WCP was founded on a mission to change the lending industry. In 2012 we set out to rewrite the rules of hard money lending, focusing on streamlined technology, exceptional customer service, and assembling an all-star team. Today we keep our business local to DC, Maryland, and Virginia where we can provide proven expertise.
  • Commercial Lending USA
  • 8500 Leesburg Pike Suite 411, Tysons, VA, 22182
  • As a small business owner, your top priority is growing your business, and purchasing real estate, renovating a property you already own or refinancing real estate debt can be a great way. We are offering SBA, commercial, construction, and lite/ no doc commercial loans. This is the center of your one-step solution!
  • 4 Ever Lending USA
  • 8245 Boone Blvd, Suite 450, Vienna, VA, 22182
  • 99% of 4Ever Lending USA’s team are now Homeowners. We’ve engineered our processes to get our clients the best rates, customized lending options that help them close 3x faster than the industry average. If you’re on a deadline…we’re here for you. Our team of experts is available 24/7 365,
  • United Bank
  • 2071 Chain Bridge Rd, Vienna, VA, 22182
  • At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors.
  • Old Dominion National Bank
  • 8601 Westwood Center Dr, Tysons Corner, VA, 22182
  • Old Dominion will be the premier community Bank in our markets through excellence in employee engagement, customer service, financial performance, and community involvement. Our Mission is to build long-lasting, trustworthy relationships with our employees, customers, shareholders, and communities.
  • Capital Mortgage Corporation INC
  • 3217 N Tacoma St, Arlington, VA, 22213
  • The Capital Mortgage Corp 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.
  • City Wide Mortgage Limited Liability Company
  • 2035 Gallows Road, Vienna, VA, 22182
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.