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USDA loans in Maryland

Quick answer

USDA loans in Maryland offer 0% down for moderate-income buyers purchasing in eligible rural and suburban areas, with a 1% upfront and 0.35% annual fee.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

USDA loan snapshot for Maryland

ItemEstimate
Minimum down payment0%
Minimum credit scoreTypically 640 for automated approval
Typical MD home value$397,700
3.5% down on typical home$13,920
20% down on typical home$79,540
Avg. effective property tax1.00%/yr (~$332/mo)
Income for typical home (31% rule)$126,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Maryland programs pair with USDA loans?

  • 1st Time Advantage: Fixed-rate loans for first-time buyers with down payment assistance options.
  • Partner Match: Matching assistance funds from participating employers, counties and builders.

Details and current limits: Maryland Mortgage Program (DHCD).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Maryland cities

BaltimoreColumbiaGermantownWaldorfSilver SpringFrederickEllicott CityGlen BurnieGaithersburgBethesdaRockvilleDundalkSevernBowieBel Air SouthTowsonAspen HillWheatonNorth BethesdaPotomacOdentonHagerstownCatonsvilleAnnapolisEssexWoodlawnSeverna ParkClintonOlneyRandallstownOwings MillsChillumCollege ParkPikesvilleMontgomery VillageSalisburyPasadenaMilford MillMiddle RiverBel Air NorthEldersburgParkvilleCroftonLaurelClarksburgPerry HallCarneyReisterstownSouth LaurelLochearnIlchesterElkridgeFairlandBallenger CreekFort WashingtonNorth LaurelEdgewoodSuitlandGreenbeltLandoverNorth PotomacArnoldCockeysvilleCamp SpringsLangley ParkArbutusHyattsvilleRosedaleWestminsterBeltsvilleEast RiverdaleRedlandCumberlandMaryland CitySeabrookOxon HillLake ShoreParoleCalvertonGlassmanorTakoma ParkAdelphiEastonFerndaleDamascusAberdeenCloverlyGlenmontWhite OakElktonBrooklyn ParkHillcrest HeightsSummerfieldMays ChapelRossvilleLake ArborGlenn DaleHavre de GraceBensvilleKemp MillColesvilleUrbanaKetteringFlower HillNew CarrolltonLexington ParkBrock HallJoppatowneAccokeekCaliforniaGreen ValleyCambridgeLinganoreRiviera BeachAnnapolis NeckOverleaRosaryvilleOcean PinesHoneygoWestphaliaLanhamLargoFriendlyMitchellvilleTravilahBrandywineHalfwayTimoniumForestvilleBel AirLinthicumWhite MarshFort MeadeLa PlataGarrisonScaggsvilleMarltonBurtonsville

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Maryland qualify; check a specific address on the USDA eligibility map.

Often yes. Maryland Mortgage Program (DHCD) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.