This is the easy part. Basically the answer is no. From what you have said you just cannot afford to attend UC Berkeley. This will by the way save you a lot of cross country airplane flights (which is something I have done enough to get quite tired of them).
Fortunately you have two other exceptional opportunities. You can only attend one so you are in great shape.
This brings us down to UMD versus Georgia Tech. They are both very good universities with very good engineering programs. I was quite sure that both are ABET accredited for civil engineering but just checked anyway and according to Google AI yes they are.
In terms of average salaries after graduation, and other ROI measures, this is impacted by majors and by where graduates end up working, and it is common (but not necessary) for graduates to end up working near the school. If you look at university-wide numbers these are impacted by the percentage of students with each particular major. Georgia Tech for example probably has a relatively large percentage of their students in engineering, which will tend to push up university-wide averages. However, a Civil Engineer from Georgia Tech and a Civil Engineer from UMD may frequently end up working side by side, and getting the same opportunities and being paid the same. They are both very good universities.
In terms of long term outcomes, I doubt that there is any significant difference between civil engineering at UMD versus civil engineering at Georgia Tech.
I wouldn’t worry about this. One daughter did get into the honors program at a different university, where she attended (for reasons that did not have anything to do with the honors program). Freshman year she lived in the honors program dorm, which was nice, but it was just a dorm. Other than that the honors program did not have anything that she wanted, so after two years she just dropped it. This was a while ago. She got her doctorate last May and is currently a veterinarian. Being in the honors program really did not add anything meaningful to her university experience, and she would be in exactly the same place today with or without it (and she is where she wants to be).
If UMD is $15,000 per year less, this will give you a bit of a cushion in case prices go up or something goes wrong or you want to save a bit of money for graduate school. A master’s degree is possible for civil engineering. However, at $50,000/year it appears that GT does also just fit your budget.
On rare occasions some engineering students do take more than four years to graduate. In the unlikely event that this happens, merit aid usually ends after four years but if you are at UMD you will still be in-state. By the way when I got my masters it required five classes at a time to graduate in one year (three quarters where I was), and some students instead intentionally only took four classes at a time and stayed for one additional quarter and finished over the summer (this was at a university that is on the quarter system).
Which brings me to the conclusion that UMD and GT are both very good schools with very good ABET accredited civil engineering programs, both fit the budget, and you would be best off wherever you are happy. This brings me to…
To me that is the answer, and saving a few dollars is not a bad idea either.