USDA and FHA Pro and Con in Waldorf, Charles County, MD
In 2026, the USDA loan limit for Waldorf within Charles county, MD, is $776,600. Meanwhile, the FHA limit for a single-family home stands at $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, determining the income, credit, reserves, and documents needed to qualify. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the optimal program for your financial situation in Alabama.
Loan Limits and Downpayment Requirements for 2026 in Waldorf, Charles, MD
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Waldorf, MD
The objective of Lendersa® is to quickly connect you with the best USDA or FHA loans available, without any hassle. Choose from three starting points to find matching lenders and the right USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
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