As of 2025, the maximum USDA loan in Urbana, Frederick County, MD, is $776,600, whereas the FHA top limit for a single-family home is $1,089,300.
Use the Lendersa® USDA loan calculator to compare today's prime USDA and FHA rates. It can help you gauge the necessary income, credit, reserves, and required documentation for qualification. Our advanced tool offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding you in selecting the right program in for your financial circumstances.
Loan Limits and Down Payment Requirements for 2025 in Urbana, Frederick County, MD
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Options for USDA and FHA Loans in Urbana, MD
Lendersa® aims to help you quickly obtain the best USDA or FHA loan, free from hassle. Choose one of several starting points to find matching lenders and USDA loan offerings.
A USDA home loan, guaranteed by the government's Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans necessitate no down payment.
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