USDA and FHA Pro and Con in Westminster, Carroll County, MD

In 2025, the USDA loan limit for Westminster, located in the county of Carroll, MD, is set at $466,400. Meanwhile, the FHA cap for a single-family residence is $632,500. This distinction allows homebuyers to explore appropriate financial options depending on their needs.

Discover the best USDA versus FHA rates by using the Lendersa® USDA loan calculator. It helps you determine the qualifications needed concerning income, credit, reserves, and necessary documentation. Our advanced mortgage calculator offers a comparative view of USDA, FHA, Conforming, and VA loans, supporting you in choosing the most suitable program tailored to your financial situation in .

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Detailed 2025 Loan Limits and Down Payment Requirements in Westminster, County of Carroll, MD

Loan Type Loan Limit Down Payment
USDA $466,400 0%
FHA $632,500 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Opportunities in Westminster, MD

The ambition of Lendersa® is to provide you with the optimal USDA or FHA loan swiftly and effortlessly. Choose one of three pathways to connect with matching lenders, facilitating access to USDA loan programs.

Lendersa's depiction of USDA loan request outcomes and matches

Defining a USDA Loan in MD

A USDA home loan is a government-backed mortgage by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is specifically available in rural areas. Unlike FHA loans mandating at least a 3.5% down payment, a USDA mortgage provides the advantage of requiring no down payment, facilitating greater accessibility for prospective homebuyers in these regions.

Enter your location to find out if it qualifies for USDA rural housing loan?



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