USDA and FHA Pro and Con in Silver-Spring, Montgomery County, MD
For 2026, in Silver-Spring, within Montgomery county of MD, the USDA loan limit stands at $657,900, while the FHA limit for a single-family home is $822,375.
Use the Lendersa® USDA loan calculator to evaluate today's leading rates for USDA versus FHA loans and figure out the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in determining the best program for your financial needs in Alabama.
Loan Limits and Downpayment Requirements for 2026 in Silver-Spring, Montgomery, MD
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Choices in Silver-Spring, MD
The aim of Lendersa® is to swiftly connect you to the best USDA or FHA loan without hassle. Choose from three different starting points to find matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture and available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not necessitate any down payment.
FedFinancial Federal Credit Union is a financial institution that operates solely for the benefit of its members. The organization offers great deals on savings accounts, checking accounts and share certificates. We also offer low-rate mortgages, auto and personal loans and Platinum Rewards VISA card that pays you a 1.5% Rebate.
8701 Georgia Avenue, Suite 407, Silver Spring, MD, 20901
Lends in Maryland
HEMA Federal Credit Union is a cooperative financial institution chartered by the federal government and owned by its members. With assets surpassing $19 million we provide a safe place to save and borrow at reasonable rates. We are proud of our long tradition of providing financial solutions to our members, including those who have fewer choices.
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.
Geico Credit Union offers savings, loans, mortgages, banking, and financial services. We're available to our members day and night. Our Help Center is here to assist you with any questions you may have. Our passion is empowering everyone to discover financial freedom. All we’re missing is you!
4445 Willard Ave, Suite 1000, Chevy Chase, MD, 20815
Lends in Maryland
Congressional Bank also focuses on being a Certified Green Business in Montgomery County. Through our efforts we became the first bank to earn the Montgomery County Green Business Certification, and we are partners with Bethesda Green in their efforts to promote sustainability and be a “green” role model.
Signal Financial Federal Credit Union is a full-service financial institution headquartered in Kensington, Maryland. Established in 1947, Signal now operates seven full-service branch offices in the District of Columbia, Maryland, and Virginia. Membership is open to select employer groups in the area, as well as individuals who live, work.
Presidential Bank is a full service community and online bank. With branches throughout the metro DC area, we also provide broad service nationally with a robust and state-of-the-art online banking offering. A privately held, entrepreneurial organization, we are able to offer some of the highest deposit rates in the nation.
4600 East-West Hwy, Suite 400, Bethesda, MD, 20814
Lends in Maryland
Presidential Bank Mortgage is a full service, residential mortgage lender headquartered in Bethesda, MD that has served our community since 1987. As an operating division of Presidential Bank, FSB, Presidential Bank Mortgage provides loans across the USA. Presidential Bank Mortgage continues to grow each year and has doubled in size since 2010.
