USDA Loan Vs. FHA loan for Shady-Side, MD [Anne Arundel County ]

In 2026, the USDA loan cap in Shady-Side, Anne Arundel county, MD, is $430,500, while the FHA limit for single-family homes is $538,200.

Leverage Lendersa®'s USDA loan calculator to evaluate current USDA versus FHA rates, identifying the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator compares USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program in for your needs.

Exploring USDA and FHA Loan Options in Shady-Side, MD

Lendersa® aims to efficiently provide you with the best USDA or FHA loan without hassle. Choose one of three starting points to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MD

A USDA home loan, backed by the government Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans need no down payment, making them more accessible for eligible buyers.

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Shady-Side Lenders
(410) 980-2719 Lender's profile and map Admiral Mortgage Services LLC 3456 Monarch Drive, Edgewater, MD, 21037 Lends in Maryland Admiral Mortgage Services was designed by loan officers for the benefit of the consumer. Our cutting-edge technology and strategic business relationships allows our customers access to all Conventional Financing options, as well as FHA, VA, USDA and more and even several great options for our self-employed customers
(800) 316-6846 Lender's profile and map Universal Mortgage & Finance 3158 Braverton Street, Suite 204, Edgewater, MD, 21037 Lends in Maryland Universal Mortgage & Finance, Inc. is a direct lending institution and we pride ourselves on making your needs our top priority because we're committed to building long-lasting relationships in the communities we serve. For two decades, we have successfully facilitated the financial service needs of people .
(844) 867-9267 Lender's profile and map BlackWater Funding 403 Fairlea Drive, Edgewater, MD, 21037 Lends in Maryland BLACKWATER FUNDING PROVIDES QUICK COMMERCIAL REAL ESTATE LOANS & CAPITAL FOR INVESTORS & OWNERS OF OWNER-OCCUPIED PROPERTIES. WE ALSO OFFER LOANS FOR UNIQUE PROPERTIES: (CHURCHES, CAR WASHES, MOBILE HOME PARKS, GAS STATIONS,CHILDHOOD CARE, AUTO REPAIR SHOPS, SELF STORAGE,LAND, ETC.)
443-714-5158 Lender's profile and map Navigator Private Capital, LLC 1910 Towne Centre Blvd #250, Annapolis, MD, 21401 Lends in Maryland Navigator Private Capital is a direct private lender based in Annapolis, MD, financing residential investment properties from 1–9 units in 38 states + DC. We offer Fix & Flip/Hold, Bridge, New Construction, and DSCR loans. We take a common-sense approach to underwriting, focus on the strength of the overall deal rather than making it fit a tight box, and can execute within tight timelines. Competitive leverage and terms. Our DSCR program is funded direct, not brokered.
2405080730 Lender's profile and map Navigator Private Capital 1910 Towne Centre. Blvd Suite 250, Annapolis, MD, 21401 Lends in Maryland Offering a better alternative to hard money, Navigator Private Capital, LLC (NavCap) has reimagined private real estate lending—making it accessible to real estate investors at all experience levels. As private money lenders, we fund short- and long-term low-risk development projects nearly nationwide including fix-and-flip, DSCR, bridge, and new c
(410) 260-2000 Lender's profile and map Severn Bank 200 Westgate Circle, Suite 200, Annapolis, MD, 21401 Lends in Maryland We are a community bank located in Anne Arundel County offering full-service banking including residential lending, commercial banking, and personal banking. Our mission is to enhance our community by investing in the climate, culture, commerce, and people of the Chesapeake Bay region.
(844) 230-6679 Lender's profile and map South River Mortgage 1 Park Place, Suite 540, Annapolis, MD, 21401 Lends in Maryland At South River Mortgage we put our customers first. We are a trustworthy broker who will help our senior citizens find the best reverse mortgage plan to benefit their unique situation. Unlike a lender, we will compare different options that best fit our borrower’s needs. It is our goal is to give seniors the peace of mind
(888) 699-1769 Lender's profile and map Bay Rock Home Loans LLC 839 Bestgate Road, Suite 131, Annapolis, MD, 21401 Lends in Maryland BlackRock Home Loans works with a strong portfolio of private lenders that help borrowers with unique financial situations to provide them with niche lending products that meet their needs. There are great products available for borrowers who can't qualify for loans with traditional documentation.
(443) 808-8432 Lender's profile and map Wynn Point Mortgage LLC 888 Bestgate Road, Suite 401, Annapolis, MD, 21401 Lends in Maryland "Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions"