USDA Loans in Maryland

USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.

There are a few things to know about qualifying for a USDA Loan. USDA Loans are available to people who live in communities of less than 35,000 people. While some of Maryland’s largest cities do not qualify for a USDA Loan, you will find that many of the suburbs do qualify for USDA financing. If you meet the credit and income guidelines, please apply and let one of our certified USDA Loan agents verify if the home you would like to purchase qualifies for a USDA Loan.

To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Maryland.

Income Limits for USDA Loans in Maryland

County Name Family Size 1 -4 Family Size 5 – 8
Allegany $96,150 $126,900
Anne Arundel $97,750 $129,050
Baltimore $97,750 $129,050
Baltimore $97,750 $129,050
Calvert $108,550 $143,300
Caroline $96,150 $126,900
Carroll $97,750 $129,050
Cecil $95,650 $126,250
Charles $108,550 $143,300
Dorchester $96,150 $126,900
Frederick $108,550 $143,300
Garrett $96,150 $126,900
Harford $97,750 $129,050
Howard $97,750 $129,050
Kent $96,150 $126,900
Montgomery $108,550 $143,300
Prince George’s $108,550 $143,300
Queen Anne’s $97,750 $129,050
Somerset $96,150 $126,900
St Mary’s $97,750 $129,050
Talbot $96,150 $126,900
Washington $96,150 $126,900
Wicomico $96,150 $126,900
Worcester $96,150 $126,900
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