As of 2025, the USDA loan cap for Thurmont in Frederick county, MD, stands at $776,600, whereas the FHA ceiling for a single-family residence is $1,089,300.
Explore the Lendersa® USDA loan calculator to assess the most favorable USDA and FHA rates today. Determine the income, credit, reserves, and documentation essential for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans alongside each other, helping you choose the optimal financial program for your situation in
Evaluate loan proposals from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The aim of Lendersa® is to assist you in securing the most favorable USDA or FHA loan efficiently and without stress. Start with one of the three options to link with lenders and explore USDA loan programs.
A USDA home loan is a government-backed loan from the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and it is accessible exclusively in rural areas. Unlike FHA loans that mandate a minimum down payment of 3.5%, USDA mortgage loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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