USDA and FHA Pro and Con in Salisbury, Wicomico County, MD

In 2026, within Salisbury, located in Wicomico county, MD, the USDA loan limit is set at $336,500, whereas the limit for FHA loans stands at $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates, assessing the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans to help you decide which program is optimal for your financial situation in Alabama.

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2026 Loan Limits and Downpayment Requirements in Salisbury, Wicomico, MD

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Examining USDA and FHA Loan Options in Salisbury, MD

The goal of Lendersa® is to swiftly secure the best possible USDA or FHA loan for you without any hassle. Begin by choosing one of three starting points that align you with 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 intended for properties in rural areas only. Notably, unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages have no down payment requirement.

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



  • Varex Federal Credit Union
  • 1678 South Pioneer Road, Salt Lake City, UT, 84104
  • Our motto, ""Friends Helping Friends"" represents the credit union's desire to serve the Varex employees, retirees and their families by customizing our service to meet each member's unique needs. We want to be our members' financial institution of choice for loans and savings by offering highly competitive rates.
  • Nexus Mortgage Lending
  • 550 W. Sunnyside Road, Suite 11, Idaho Falls, ID, 83402
  • At Nexus Mortgage Lending, we believe that it is our responsibility to be the connection between our clients and their goals of homeownership. It is our goal to educate our clients, provide them with financing options to meet their individual needs, and link them with world-class lending institutions.
  • Copper River Funding
  • 1070 River Walk Dr, Suite 258, Idaho Falls, ID, 83402
  • Copper River Funding offers individuals convenient access to the rewarding opportunities available through private commercial real estate bridge lending. Our disciplined and risk-controlled strategy is designed to help you protect your capital and generate high current income. The members of the CRF management team have amassed over 40 years
  • Trust Alliance Capital
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  • Trust Alliance Capital has been serving commercial customers' financing needs for over 15 years. Currently holding an A+ rating with the Better Business Bureau. Our expertise in commercial equipment financing, SBA/USDA loans, and commercial real estate will help you move forward in your business
  • Augusta Mortgage, Inc.
  • 5145 South Airport Road, Suite 300, Roy, UT, 84067
  • We offer discrete and dependable consulting for all aspects of your real estate needs. Our team of highly qualified employees is available day and night to guarantee you the best possible service. We’re sure they’ll be able to help you with whatever problems you may have. We do NOT get "beat" whether it is product, pricing, or service.
  • Day Financial Services, Inc.
  • 3568 W 4800 S, Suite B, Roy, UT, 84067
  • Day Financial Services, Inc. has been doing buisiness since 1994. Our experienced staff will help you with any and all mortgage needs. And also Day Financial Services, Inc. Is a full service mortgage broker. We offer First Time Homebuyer, Purchase, New Construction Refinances, Rural Housing, Debt Consolodiation, Reverse Morrgages, Equity and FHA
  • Top Tier Mortgage
  • 212 East Crossroads Blvd, Suite 177, Saratoga Springs, UT, 84045
  • Toptiermortgage.com, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
  • The First National Bank of Layton
  • 12 South Main Street, Layton, UT, 84041
  • At First Community Bank, we don't aspire to a vision of transacting business. We aim for transforming lives. Everything we do as a bank goes towards helping our customers become empowered and succeed financially. When you bank with First Community, your banker is more than just a face in the crowd.