Consumer Real Estate Finance Co. is excited to let you know about the Rural Development Loan program. Backed by the United States Department of Agriculture, this no money down, fixed interest rate loan program was designed to help build and strengthen Maryland’s smaller, more rural communities.

If you live in Maryland and are looking for an affordable home loan solution, the USDA loan program may be for you.  Benefits include:

  • 100% financing up to the appraised value
  • No private mortgage insurance for qualifying Maryland homes
  • Flexible Maryland credit qualifications
  • No Maryland loan amount limitations

Maryland Rural Development Loans – Not Just for Farmers

The best part about USDA Loans program is that a wide range of property is eligible. While properties within major metropolitan cities do not qualify, properties located right next door to those same areas may qualify. To be eligible for a Maryland USDA Rural Development Loan, the property must:

  • Be located outside of the city limits
  • Have a population of less than 20,000 people
If you have questions about an area’s eligibility, the experts at Consumer Real Estate Finance Co. have made it easy, just visit our USDA Property Eligibility Wizard and plug in a state and zip code. Or for more personalized information, contact one of our certified USDA loan agents at 1-866-854-4242.

Maryland’s USDA Loan Income Limits by County

USDA Eligibility restrictions for Maryland USDA Loans also  include the county and zip code the property resides in, as well as, your past credit history and number of dependents.

In addition, because they are designed for families with moderate to lower incomes, the income of homebuyers looking into a Maryland Rural Development Home Loan cannot exceed their county’s set limit.

Quick Scroll
STATE:MARYLAND PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Baltimore-Columbia-Towson, MD MSA
VERY LOW INCOME 33250 38000 42750 47450 51250 55050 58850 62650
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
California-Lexington Park, MD MSA
VERY LOW INCOME 36200 41400 46550 51700 55850 60000 64150 68250
Apply Now LOW INCOME 50350 57500 64700 71900 77650 83400 89150 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Cumberland, MD-WV MSA
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Hagerstown, MD HUD Metro FMR Area
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA
VERY LOW INCOME 30600 35000 39350 43700 47200 50700 54200 57700
Apply Now LOW INCOME 48950 55900 62900 69900 75500 81100 86700 92250
MOD.INC-GUAR.LOAN 100500 100500 100500 100500 132650 132650 132650 132650
Salisbury, MD HUD Metro FMR Area
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Somerset County, MD HUD Metro FMR Area
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Worcester County, MD HUD Metro FMR Area
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area
VERY LOW INCOME 41050 46900 52750 58600 63300 68000 72700 77400
Apply Now LOW INCOME 54200 61950 69700 77450 83650 89850 96050 102250
MOD.INC-GUAR.LOAN 111350 111350 111350 111350 147000 147000 147000 147000
Caroline County, MD
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Dorchester County, MD
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Garrett County, MD
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Kent County, MD
VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
Apply Now LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300
Talbot County, MD
VERY LOW INCOME 28300 32350 36400 40400 43650 46900 50100 53350
Apply Now LOW INCOME 45250 51700 58200 64650 69800 75000 80150 85350
MOD.INC-GUAR.LOAN 96450 96450 96450 96450 127300 127300 127300 127300

Consumer Real Estate Finance Co. wants to help you realize your dream of home ownership.  For help applying for a Maryland USDA Loan, contact us today.