FHA VS Conventional loan in California, St. Mary's County, Maryland

For 2025, the conventional loan ceiling in California, St. Mary's county, MD, is set at $647,200, whereas the FHA cap for a single-family residence is $420,680.

Utilize Lendersa® Conventional loan calculator to contrast today's rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and paperwork for eligibility. Our comprehensive mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side to make an informed choice on the most suitable program in MD for your economic needs.

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2025 loan limitations and downpayment necessities in California, St. Mary's county, MD

Loan Category Maximum Loan Downpayment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison pertains to the following zip codes: 20653, 20619, 20634

Options for Conventional and FHA loans in California, MD

The mission of Lendersa® is to help you swiftly and effortlessly secure the best Conventional, USDA, or FHA loan. Choose among three initial methods that help match you with the appropriate lenders and loan schemes.

Lendersa USDA loan inquiry results


  • First American Wholesale Lending
  • 9400 Topanga Canyon, Suite 204, Chatsworth, CA, 91311
  • At FAWL we understand that in today’s market, home financing requires a company with a proven track record, financial strength and integrity. Our unwavering commitment to excellence in these three key areas has earned us a reputation as one of the most well respected companies in the industry.
  • Wela Financing
  • 843 4th street, Santa Monica, CA, 90403
  • Founded by Olga Elmanovich, a highly experienced private lender, Olga is a trusted name in the field of hard money lending. With over 20 years of expertise in the industry, she has been providing flexible and reliable financial solutions to individuals and businesses in need.
  • Lennox Lending
  • 926 2nd Street, Santa Monica, CA, 90403
  • Lennox Lending specializes on working with experienced investors on fix-and-flip projects, ground-up construction and a variety of single family and multi-family rental loans. Expert service and competitive rates – start your application now! We believe in developing a deep, transparent relationship with our clients. With our experience, we deli
  • Z Home Loans
  • 1223 Wilshire Blvd, Suite 405, Santa Monica, CA, 90403
  • 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.
  • Standard Mortgage, Inc.
  • 18757 Burbank Blvd, Suite 205, Tarzana, CA, 91356
  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
  • United National Mortgage
  • 18321 Ventura Boulevard, Suite 300, Tarzana, CA, 91356
  • 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.
  • CalSun Mortgage
  • 18580 Ventura Blvd, Suite B, Tarzana, CA, 91356
  • "CalSun Mortgage was founded by Mitchell Lubinsky, it’s CEO and President. Mitchell is a real estate broker and licensed by CA DRE License 015025140, NMLS 353072. He has been in real estate and lending industry for more than 30 years. He is real estate mortgage expert and practitioner. And acquired a great deal of experience"
  • Whittaker Gregory Burton
  • 18606 Collins Street, Tarzana, CA, 91356
  • Whittaker Gregory Burton is a sole proprietorship based in Los Angeles California and owned by Gregory Whittaker. Gregory Whittaker is a licensed Real Estate Broker with the State of California BRE #00849532 and licensed through the NMLS# 1583645, NMLS# 1450202. I have been a licensed real estate professional for over 45 years working in sales,
  • Pioneers Home Loans
  • 19327 Ventura Blvd, Suite B, Tarzana, CA, 91356
  • Pioneers Home Loans will get your Conventional Loan approved today. Conventional loans are great for any type of home buyers. Our team of experts can get you the best loan with the best rate possible. Whether you have good credit or bad credit, let us know we will listen. Pioneers Home Loans are able to get you an affordable mortgage payment plan.
  • Cliver R. Galvez
  • 19013 Ventura Boulevard, Suite I, Tarzana, CA, 91356
  • Cliver R. Galvez is a Real Estate & Mortgage Services Residential and Commercial Mortgage Broker in California provided Mortgage Services Convetional Loans FHA Loans, Purchase and Refinancing, Hard Money , Commercial Lending available and also mortgage services real estate services