USDA Vs. FHA Pro and Con comparison in St.-James, Washington County, MD
For 2025, 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 .
Loan limits and down payment details for 2025 in St.-James, Washington, MD
Loan Type
Loan Limit
Down payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA loan possibilities in St.-James, MD
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.
Our membership is a closed membership limited to Polk County employees, Broadlawns Hospital employees, city of Altoona employees, Heartland AEA employees, and Fifth Judicial employees. We have been in existence since 1955. The credit union has assets totaling $7.27 Million and provides banking services to more than 700 members.
Federal Home Loan Bank of Des Moines is one of 11 regional Banks that make up the Federal Home Loan Bank (FHLBank) System. Established by Congress in 1932 to support mortgage lending, the FHLBanks are a stable source of funding for more than 7, 300 federally insured depository institutions of all sizes and types. Including Banks, Credit Unions.
For more than 100 years, Bankers Trust has been a leading financial institution for commercial and consumer banking services. Headquartered in Des Moines, Iowa, Bankers Trust is the largest privately held financial institution in the state, and employs 565 people across the country.
The Gooi Mortgage team has an extensive background in all functions of mortgage banking, including fulfillment and consulting services for lenders of all sizes.
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Here at LoanFlight Lending, a privately held mortgage lender, we excel at the forefront of technology driven mortgage marketing and origination. Using vast national experience,"
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Movement Mortgage was created in 2008 amidst one of the biggest financial meltdowns in American history. We are committed to being a Movement of Change in the mortgage industry, in corporate cultures and in communities.We have created a corporate culture in which our employees can thrive both personally and professionally.
