In 2025, the USDA loan limit in Spring-Ridge, located in Frederick county, MD, is $657,900. Meanwhile, the FHA limit for a single-family home is $822,375.
Leverage the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and figure out the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA loans, guiding you to choose the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The aim of Lendersa® is to provide the best USDA or FHA loans quickly and without difficulties. Choose one of three approaches to be linked with matching lenders and explore USDA loan programs.
The USDA home loan, insured by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans have no down payment requirement, making them more accessible for qualified buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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