USDA Vs. FHA Pro and Con comparison in Towson, Baltimore County, MD
In 2026, the USDA loan limit for Towson, located in Baltimore county, MD, stands at $466,400, while the FHA loan limit for a single-family home is $632,500.
Use the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. This tool helps you figure out the required income, credit, reserves, and documents for loan qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial situation in Alabama.
Loan Limits and Downpayment Requirements for 2026 in Towson, Baltimore, MD
Loan Type
Loan Limit
Down Payment
USDA
$466,400
0%
FHA
$632,500
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Towson, MD
Lendersa® aims to quickly connect you with the best USDA or FHA loans, hassle-free. Choose one of three starting points to match with lenders and suitable USDA loan programs.
A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available only in rural areas. It stands out because, unlike FHA loans needing at least a 3.5% down payment, USDA loans require none.
Rosedale Federal has deep roots in the Baltimore area and we’re proud to be part of the communities we serve. Our purpose remains the same: to help our neighbors with everyday finances and affordable home loans. The bank is still a mutual association, owned by its depositors, not a group of investors and shareholders.
"Capital Funding Group (CFG) is a leader in the healthcare and multifamily financing industry, providing creative and holistic solutions for facilities nationwide, with a focus on long-term care, assisted living and workforce housing.
With a national presence, we are not your typical lender and offer a “One-Stop Shop” experience for owners"
Trius delivers fast, reliable private lending for real estate investors who need certainty to win deals. We move quickly, communicate clearly, and execute without delays.
Fix & Flip and Fix-to-Rent loans (up to 100% rehab), all property types, $150K–$3.5MM. New investors welcome. Closings in as little as 48 hours.
Baltimore County Employees Federal Credit Union is a full-service financial institution offering a range of outstanding lending, savings, and online financial services to its members throughout the Baltimore metro area. As a non-profit cooperative, we value our members and work diligently to help them achieve their financial goals.
St. Joseph Medical Center MD FCU is a member owned credit union whose purpose is to provide quality service through our “People Helping People” philosophy. We continuously strive to offer personalized services while maintaining financial strength and stability. credit union is managed by a volunteer board of directors and various committee members.
Our clients’ satisfaction is paramount, which is why we’ll do everything we can to ensure that our clients walk away from the transaction happy. This includes: our 1-hour pre-approval process, our commitment to full and complete transparency to all interested parties, and our focus on constant communication, all while offering the lowest rates.
"At Arrive we are guided by technology in our efforts to improve the mortgage experience. We believe that the journey to home ownership should be simple and enjoyable. Our Mission is to provide a superior mortgage experience so that our customers recommend us, partners enjoy working with us, employees are proud to be a part of the family"
Harbor Bank of Maryland opened its doors in September of 1982 with $2.1 million in assets. As of December 31, 2015, Harbor Bank's assets were $288 million. The bank conducts general banking business in seven branch locations and primarily serves the Baltimore, Maryland Metropolitan area. The Bank also has a branch in Riverdale,
Provider was founded in the aftermath of the financial meltdown on the premise that every individual deserves to be treated fairly regardless of their financial knowledge or negotiating ability. Provider believes that the purchase or refinancing of a home requires careful evaluation of each client’s individual financial circumstances.
