USDA Vs. FHA Pro and Con comparison in Silver-Spring, Montgomery County, MD

For 2025, 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.

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Loan Limits and Downpayment Requirements for 2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MD

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.

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



  • International Lenders Inc
  • 2665 Southwest 37th Avenue, Suite 804, Miami, FL, 33133
  • We are a Mortgage Broker company specialized in assisting U.S Citizen and Foreign national clients gain access to asset based loans in the U.S. We’re about simplifying the process that gets clients from pre qualification to funding. Whether it’s your first attempt at getting pre-qualified or banks have previously turned you down
  • NEWLOANCO
  • 3390 Mary Street, Suite 116, Coconut Grove, FL, 33133
  • At NEWLOANCO , 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..
  • Family America Mortgage Corp
  • 2937 SW 27th Ave #201, Miami, FL, 33133
  • Family America Mortgage Corp, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Korth Direct Mortgage
  • 2937 SW 27th Ave, Ste 307, Miami, FL, 33133
  • KDM Financial is a middle market commercial mortgage lender offering financing from $3,000,000.00 to $70,000,000.00 on commercial real estate including multifamily, mixed-use, office, light industrial, self-storage and warehouse property types.KDM was organized in 2016 and is a publicly reporting company
  • BridgeInvest
  • 2601 South Bayshore Drive, Suite 1200, Miami, FL, 33133
  • BridgeInvest is a leading private real estate lender focused on short-term financing for unique commercial and residential assets throughout the Southeast US. With over 25 years of on-the-ground experience, our dedicated team has established the ability to rapidly analyze, structure and manage any loan from origination to payoff.
  • US West Financial Corporation
  • 1864 Berkshire Ln N, Plymouth, MN, 55441
  • US West Financial Our goal is to make you happy with getting the best deal on your home loan. Our business success depends on your satisfaction. We believe that satisfied clients will bring more referrals to us The mortgage rates go up and down. Please let us have a chance to watch the rate for you. We will help you lower your house payment
  • Proctor Federal Credit Union
  • 410 N Second Avenue, Proctor, MN, 55810
  • The Credit Union operated out of one room at 226 3rd St. in Proctor as a State Chartered Credit Union until October 1970 when it became a Federal Chartered Credit Union known as the Proctor Area Federal Credit Union. At that time, this 1, 200 member; $700, 000.00, Credit Union changed from an Employee Credit Union to a Community Credit Union.
  • Syntax Mortgage
  • 7452 SW 48th Street, Miami, FL, 33155
  • We at Syntax Mortgage, are completely independent mortgage brokers and our directory of lenders gives you all the options needed to purchase and/or refinace you home. Our goal is to provide access to various types of home loans with competitive interest rates. We get you into the right loan at a great price, fast.
  • SFRMC - Mortgage
  • 6485 Coral Way, Miami, FL, 33155
  • "At Southeast Florida Residential Mortgage Corp, we understand that our clients have unique needs. For this reason, we provide on-on-one service to determine the most suitable mortgage solution for our clients’. We offer a variety of loan products to clients throughout Florida Conventional Loan Federal Housing Administration (FHA) Loan"
  • Magellan International Mortgage Corporation
  • 260 Crandon Blvd, Suite 9, Key Biscayne, FL, 33149
  • We closed our first loan in 1989 and from then on it has been a fantastic road in helping homeowners achieve their dreams of financing their property. Centrally located in Key Biscayne, Florida and servicing the whole South Florida area, we are partnered with the top Wholesale lenders in the country. Maria is the owner
  • Construction, Private, & Hard Money Lending - London Financial Company (LFC)
  • 965 Crandon Boulevard, Key Biscayne, FL, 33149
  • London Financial Company (LFC) our underwriting is flexible, individual, and tailored to your requirements. We have no hard and fast rules to determine the terms of your loan. Whether it be a construction or hard money/private equity loan, we pride ourselves on coming up with fair terms on a case-by-case basis.