USDA Vs. FHA your options 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?



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  • 601 Iowa Ave, Dunlap, IA, 51529
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