Get Qualified For the USDA Guaranteed Loan Program

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Start the home buying process now. Determine your USDA Loan eligibility and how much house you can afford.

USDA Guaranteed Rural Home Loans in Maryland

U.S. Department of Agriculture (USDA) Guaranteed Rural Loans are creating homeownership opportunities throughout USDA eligible areas in Maryland. Unlike most loan programs, the USDA Loan doesn’t require a down payment. And when the seller pays the buyers closing costs, the buyers cash-to-close is minimal. Best of all, the USDA Loan program is available for first-time home buyers, previous homeowners, and move-up buyers. Acceptable property types include single-family homes, townhomes, and even condominiums. With the USDA Loan program saving up for a large down payment is no longer an obstacle toward homeownership.

The USDA Rural Development Loan Program offers first time homebuyers and move-up buyers:

100% Financed Mortgage, No Money Down, $0 Down Payment
USDA Loans Monthly Mortgage Insurance Premiums are 36% Lower Than A Comparable FHA Loan
Flexible Credit Requirements As low As A 580 Middle Credit Score
Safe, Secure 30 Year Fixed Rate Mortgage
No Maximum Loan Amount
With Seller Help, Minimal Out-Of-Pocket Closing Costs

Free Report – $0 Cash To Close

USDA Loan Programs

$0 Down, 100% Loan Financed Home Purchase

The USDA Loan program will allow you to purchase a single-family house, townhome, or condominium with no money down. Available for first-time home buyers, previous homeowners, and move-up buyers.

Learn More$0 Down

Private Sale/For Sale By Owner

Rent-To-Own, Lease-To-Own, Land Installment Contract, For Sale By Owner or FSBO. Purchase a house directly from the home seller with no money down and even no money out-of-pocket

Learn MorePrivate Sale

One-Time-Close Construction

The USDA Loan program can be used to finance building your dream home, with no money down. This includes purchasing land (if necessary) and construction costs.

Learn MoreOTC Construction

Purchase and Renovation

Obtain one loan, to purchase a house and include a repair escrow budget to finance minor non-safety related renovations work after the loan closes.

Learn MorePurchase

Refinance

Existing USDA Loan borrowers may refinance their current USDA Loan with no appraisal report required using the USDA Streamline Refinance Loan program.

Learn MoreRefinance

Manual Underwrite & Credit Score Down To 580

Credit scores as low as 580 with GUS Refer underwriting finding may be acceptable if no 30 day late payments on the credit report within the last 12 months.

Learn MoreManual Underwrite

Testimonials

USDA Mortgage Loan Calculators

Other Low-To-No Down Loan Programs

USDA Guidelines, Tools, and Resources

USDA Announces Increased Income Limits

Date: June 18, 2025
Source Document
Questions or Comments Regarding This Information?

The income limits for the USDA Guaranteed Rural Housing Program have increased for almost all Maryland Counties effective July 12, 2024. Income limits are based on the income for all adult (18 and over) household members, regardless of whether they will be a borrower on the loan. Maximum County income limits are based on a household size of 1 – 4 or 5 or more people residing in the household. USDA does allow for situations where the household income can exceed the maximum County income, based on certain parameters. Reference MarylandUSDA Income Calculator for an instant income evaluation on whether your income meets or exceeds USDA’s maximum County limits.

Maryland's USDA Guaranteed Loan Income Limits by County are as follows:
County	Household Size
County	1-4	5+
Allegany
Anne Arundel
Baltimore
Calvert
Caroline
Carroll
Cecil
Charles
Dorchester
Frederick
Garrett
Harford
Howard
Kent
Montgomery
Prince Georges
Queen Anne's
Somerset
St Mary's
Talbot
Washington
Wicomico
Worcester

Remember that USDA does allow for the total household income to be higher than these income limits provided that certain adjustments or reduction to income can be made including:

Documentable childcare expenses for children age 12 and under
$480 per child for anyone under 18
$480 for any student other then one of the applicants
$400 for each disabled or handicapped individual who is not one of the applicants
Medical expenses for any elderly family member

These adjustments can be used to lower the gross household income to an amount that is less than the above mentioned maximum gross income. If you are considering financing an upcoming home purchase using a USDA loan and need assistance in calculating your adjusted gross income using USDA Rural Development Loan Income Guidelines complete the contact form or call (866) 747-2882 to speak to your local Maryland loan professional.

USDA Loan FAQ – Maryland

(No Money Down Home Loans)

Please review the most common questions about buying a home in Maryland using a USDA loan with no down payment.

What is a USDA loan?

Please note that a USDA loan is a government-backed mortgage that allows eligible buyers to purchase a home with no down payment.

Do I need a down payment?

No. Please understand that USDA loans offer 100% financing, meaning no down payment is required.

Who is eligible?

Please review that eligible borrowers include U.S. citizens and permanent residents who plan to occupy the home.

What credit score is required?

Please keep in mind that a 620 score is ideal, while 580 may be acceptable with compensating factors.

What are the income limits?

Please note that income limits vary by county in Maryland. Please contact us to review your exact eligibility.

What types of homes qualify?

Please consider that eligible homes include single-family homes, townhomes, and approved condominiums.

What costs will I have at closing?

Please understand that many buyers can purchase with little to no money out of pocket when seller credits are used.

How do I get started?

Please complete a quick application so we can review your eligibility and get you pre-approved.

Please Contact Me to Get Started

Company: Millennial Home Loans
Name: David Zuckerman
Email: dzuckerman@mymhl.com
Phone/Text: (410) 552-5912