For 2026, the USDA loan limit in West-Ocean-City, located within Worcester county of MD, is $285,000. On the other hand, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to weigh today’s best USDA against FHA rates, determining income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you to choose the optimal program in
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| Loan Type | Loan Limit | Minimum Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to provide you with the most suitable USDA or FHA loan quickly and stress-free. Choose one of three starting points to match yourself with lenders and USDA loan programs.
The USDA home loan, which is insured by the government’s Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage and is limited to rural regions. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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