No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
Maryland USDA Loans
My state-specific information
Eligibility Requirements – Maryland
USDA’s Guaranteed houses program offers loans in the state of Maryland. USDA’s yearly household income limits are $129,650 for a 1-4 person household and can be as high as $202,700 for 5 or more residents of the property being financed.
Call and speck to one of our USDA loan specialist to see if we can get you qualified to purchase a home with USDA’s 100% financing mortgage.
Here is a link for a more detailed map: USDA Map.
Maryland USDA Income Limits (Moderate Income – Guaranteed Loan)
Maryland income limits vary significantly by county and metro area due to higher housing costs in many regions.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Maryland Limit (Several Rural Counties) | $129,650 | $171,150 |
| Talbot County, MD | $132,250 | $174,600 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA (MD Portion) | $137,300 | $181,250 |
| Baltimore-Columbia-Towson, MD MSA | $149,800 | $197,750 |
| St. Mary’s County, MD HUD Metro FMR Area | $149,800 | $197,750 |
| Calvert County, MD HUD Metro FMR Area | $153,550 | $202,700 |
| Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area | $153,550 | $202,700 |
USDA income limits in Maryland are based on the property’s county and total household income. This includes income from all adult household members, not just the borrower. Because many parts of Maryland are part of higher-cost metro regions (Washington DC, Baltimore, Philadelphia), income limits are often substantially higher than the national standard.
If your total qualifying household income falls within the limit for your county and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment).
Check Your Maryland USDA Eligibility
USDA loans are available in many eligible rural and suburban areas throughout Maryland. We can quickly:
- Confirm your county income limit (1–4 vs. 5+ household members)
- Verify the property address is USDA eligible
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on household size, verified income, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in North Carolina.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Maryland USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Maryland
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
