FHA VS Conventional loan programs in 2025 for Bel-Air, Harford County, Maryland

In 2025, the conventional loan limit for Bel-Air, county of Harford, MD, is $647,200. For FHA, the limit is $583,050 for a single-family residence.

Try the Lendersa® Conventional loan calculator to compare current rates for Conventional, FHA, and USDA loans. This tool aids in determining income, credit, reserves, and documents needed for qualification. With it, you can view Conforming Conventional loans, USDA, FHA, and VA together to select the best option in MD for your finances.

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2025 Loan Limits and Down Payment in Bel-Air, Harford, MD

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $430,500 0%
FHA $583,050 3.5%

Comparison table applicable to zip codes: 21014

Loan Options in Bel-Air, MD

The Lendersa® aim is to provide the best loan options—Conventional, USDA, FHA—quickly and easily. Choose from three paths to connect with matching lenders and programs.

Lendersa USDA loan request and results


  • Team Heard
  • 2915 W Bitters Road, Suite 102, San Antonio, TX, 78248
  • We are Senior Loan Officers with over 45 years of combined service. We are confident that we can offer the services and competitive rates you need. During our years of experience in the mortgage banking industry, we have personally assisted thousands of families with responsible and affordable home financing.
  • Gold Financial Services
  • 2822 N Loop 1604 W Ste. 101, San Antonio, TX, 78248
  • Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122 and we provide residential mortgage solutions to a broad range of clients and customers. Our services include Conventional Mortgages, Jumbo and Non-conforming loans, VA and FHA loans, as well as a host of refinancing options.
  • Piazza Lending, LLC
  • 7227 Broadway, San Antonio, TX, 78209
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Rubiola Mortgage Co Inc
  • 8700 Crown1600 NE Loop, Suite 604, San Antonio, TX, 78209
  • Rubiola Mortgage Company is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you
  • Roscoe State Bank
  • 117 Cypress St, Roscoe, TX, 79545
  • Roscoe State Bank's long history of growth and stability is directly tied to its unique culture, where we believe in treating our customers like neighbors. As you enter our bank we want to greet you as if it was across the fence of your backyard. We provide banking services that answer to where you are in your life.
  • Smart Choice Mortgage
  • 3424 Paesanos Parkway, Suite 201B, San Antonio, TX, 78231
  • Smart Choice Mortgage is a full-service mortgage banking company committed to developing and nurturing relationships with REALTORS®, home builders and our customers. As a company, our Core Values define what we stand for and represent our commitment to each other and to our customers.
  • Happy State Bank
  • 100 E Main St, Happy, TX, 79042
  • Happy State Bank began in 1908 in Happy, TX. While we’ve grown in size, locations, & assets, we like to keep the feel of a small-town Bank where everyone knows your name. Our core values are embedded in everything we do. You’ll notice these in our communications, in the way we serve our customers & communities & in the attitudes of our employees.
  • Platte Vallley Bank
  • 1212 Circle Drive, Scottsbluff, NE, 69363
  • At Platte Valley Bank our focus will always be on people, products, service, community, work ethics and professionalism. It is no accident that our associates work so hard at customer service. Our customer oriented companies will be successful only if we bring to our jobs each day, the dedication to providing the service you expect and more
  • Mortgage of Texas & Financial LLC
  • 6609 Blanco Rd, Suite 100, San Antonio, TX, 78213
  • Mortgage of Texas & Financial LLC was formed in 2011 as a full service residential and small commercial mortgage brokerage company with an emphasis on service, knowledge, and accuracy. The mortgage debacle of 2007 was avoidable yet we are all paying the consequences right now in one fashion or another. Now, more than ever,
  • New Horizon Mortgage, Inc.
  • 11106 West Avenue, San Antonio, TX, 78213
  • The New Horizon Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Texas Mortgage Capital Corporation
  • 311 Howard St, San Antonio, TX, 78212
  • Texas Mortgage Capital Corporation is a premier provider of private money loans and investment opportunities. We specialize in offering tailored financing solutions for a variety of needs including short-term bridge loans, fix-and-flip investments, buy-and-hold investments, refinancing a current loan,
  • San Antonio Mortgage LLC
  • 8000 IH 10 West, Suite 600, San Antonio, TX, 78230
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional company who is able to give you quick and accurate financial advice.