For 2026, the USDA loan threshold in St.-James, within the county of Washington, MD, is $285,000. In comparison, the FHA loan cap for single-family residences is $356,362.
Take advantage of Lendersa®'s USDA loan calculator to distinguish between today's leading USDA and FHA interest rates. It will also outline the income, credit criteria, reserves, and required documentation for qualification. With our comprehensive mortgage calculator, compare USDA, FHA, Conforming, and VA options side by side, making it easier to identify the optimal program for your financial circumstances in
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| Loan Type | Loan Limit | Down payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to promptly provide you with the most favorable USDA or FHA loan options without difficulty. Choose one of the three initial approaches to connect with matching lenders and USDA loan programs.
A USDA home loan is supported by the government through the Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, and is exclusively available in rural communities. Contrasting with FHA loans requiring at least a 3.5% down payment, USDA mortgages necessitate no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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