USDA Vs. FHA Pro and Con comparison in Wheaton, Montgomery County, MD
For 2025, the USDA loan limit in Wheaton, county of Montgomery, MD, is $776,600, while the FHA limit for a single-family home stands at $1,089,300.
Explore today's USDA versus FHA rates using the Lendersa® USDA loan calculator. This tool helps assess the necessary income, credit, reserves, and required documents for qualification. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side to determine the best program for your financial situation in Alabama.
2025 Loan Limits and Downpayment Requirements in Wheaton, Montgomery, MD
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Options in Wheaton, MD
Lendersa® aims to efficiently provide you with the optimal USDA or FHA loan quickly and easily. Choose from one of three starting points to connect with suitable lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is insured by the government through the Department of Agriculture and is available in rural areas only. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.
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