USDA and FHA Pro and Con in Shady-Side, Anne Arundel County, MD

In 2025, 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.

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2025 Loan Limits and Down Payment Requirements in Shady-Side, Anne Arundel County, MD

Loan Type Loan Limit Down Payment
USDA $430,500 0%
FHA $538,200 3.5%
Conventional Conforming $548,250 3%

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.

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



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