USDA Home Loans · Maryland

100% Financing for Eligible Maryland Properties

No down payment. No monthly mortgage insurance. USDA Rural Development loans make homeownership possible in rural and suburban Maryland communities and more properties qualify than most buyers expect.

Check If Your Property Qualifies
0%
Down Payment Required
$0
Monthly PMI
640+
Typical Credit Score
9
States Mike Is Licensed In

What Is a USDA Loan?

USDA Rural Development loans are backed by the U.S. Department of Agriculture and designed for low-to-moderate income buyers purchasing in eligible rural and suburban areas. Despite the name, you do not need farmland, acreage, or any agricultural connection.

Michael DeHaut Jr. has helped buyers throughout Southern Maryland, the Eastern Shore, Western Maryland, and suburban pockets of Anne Arundel County take advantage of this program. Mike can run an eligibility check on any address in minutes.

USDA Loan Highlights

  • Zero down payment, 100% financing
  • No monthly private mortgage insurance
  • Competitive government-backed fixed rates
  • Available for purchase and eligible refinances
  • Standard residential homes, not farms
  • Income limits based on household size
Does My Property Qualify?

Many suburban Maryland areas qualify including parts of Calvert County, St. Mary's County, Charles County, Carroll County, and portions of the Eastern Shore. USDA eligibility is geographic, not agricultural. Mike can run a quick check on any specific address before you spend time on a property.

USDA vs. FHA: The Zero Down Comparison

For buyers who are not eligible for VA benefits, USDA is often the better path compared to FHA when the property qualifies. USDA has no monthly mortgage insurance, only an annual guarantee fee that is significantly lower than FHA's monthly MIP.

The trade-off is location. USDA only works for eligible rural and suburban properties. If the home you want is in an eligible area, USDA frequently beats FHA on monthly payment and total loan cost.

USDA vs FHA at a Glance

  • USDA: 0% down / FHA: 3.5% down
  • USDA: No monthly PMI / FHA: Monthly MIP
  • USDA: Location restricted / FHA: Available anywhere
  • USDA: Income limits apply / FHA: No income limits
  • USDA: 640+ typical / FHA: 580+ minimum
  • USDA: 45 to 60 day close / FHA: 30 to 45 days

Frequently Asked Questions

What parts of Maryland are USDA eligible?
Rural and suburban areas including parts of Calvert, St. Mary's, Charles, Carroll, and Worcester counties often qualify. Mike can check any specific address at no cost.
Are USDA loans only for farms or rural properties?
No. The name is misleading. USDA loans are for standard single-family homes in eligible areas. The designation is geographic, not agricultural.
How long does a USDA loan take to close?
USDA loans require approval from both the lender and the USDA office. Build in 45 to 60 days for closing to be safe, though timelines vary by service area.
Do I earn too much to qualify for a USDA loan?
Possibly not. Limits are based on household size, not just individual income. Many buyers who assume they earn too much find they qualify. Mike will check in minutes.

Michael DeHaut Jr. | NMLS #202640 | Bay Capital Mortgage | Company NMLS #39610
2553 Housley Road Suite 200, Annapolis, MD 21401 | (240) 417-0591
Licensed in MD, VA, DC, PA, DE, WV, FL, NC & TN | Equal Housing Opportunity

Find Out If Your Property Qualifies

Takes a few minutes. Mike will check the address and your income eligibility at no cost.

Call (240) 417-0591 Check Eligibility Now
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DE NMLS# MLO-202640
DC NMLS# MLO202640
MD NMLS#  202640
PA NMLS# 62419
WV NMLS# LO-33647
VA NMLS# MLO-58478VA
FL NMLS# LO99674
NC NMLS# I-220839
TN NMLS# 202640

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Contact Us

(240) 417-0591

2553 Housley Road Suite 200, Annapolis MD 21401

Copyright 2026. All rights reserved. Michael DeHaut Jr. #202640 | Equal Housing Opportunity | Equal Housing Lender

Disclaimer: The ICE logo displayed on this website refers to ICE Mortgage Technology, a trusted provider of digital solutions for the mortgage industry. Bay Capital Mortgage has no affiliation whatsoever with U.S. Immigration and Customs Enforcement (ICE) or any other law enforcement agency. We do not share, transmit, or disclose any loan application or borrower information to ICE immigration enforcement. All borrower data is handled securely and in compliance with applicable privacy laws.

2553 Housley Road, Suite 200, Annapolis, Maryland 21401

(240) 417-0591  |   [email protected]

Company NMLS #39610

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