FHA VS Conventional loan in Joppatowne, Harford County, Maryland

In 2025, the conventional loan limit for a single-family residence in Joppatowne, located in the county of Harford, MD, is set at $726,200. By comparison, the FHA limit stands at $632,500.

Utilize the Lendersa® Conventional loan calculator for a side-by-side comparison of today's Conventional, FHA, and USDA rates. The tool allows you to assess the income, credit, reserve requirements, and necessary documentation to qualify. Examine Conforming Conventional loans, USDA, FHA, and VA collectively to determine which program in MD aligns best with your financial needs.

Browse loan offers from over 100 lenders

2025 Loan Limits and Downpayment Requirements in Joppatowne, Harford, MD

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $466,400 0%
FHA $632,500 3.5%

These limits are applicable for zip codes: 21085

Exploring Conventional and FHA Loan Options in Joppatowne, MD

With Lendersa®, securing an optimal Conventional, USDA, or FHA loan is streamlined and simple. Begin with one of three approaches to match with lenders and suitable loan programs.

Lendersa USDA loan request and match outcomes


  • Capital Lending & Real Estate
  • 1977 Redondela Drive, Rancho Palos Verdes, CA, 90275
  • Capital Lending and Real Estate, Inc. is a client-centered mortgage brokerage firm, helping people purchase and finance their homes in the state of California since 1995. Whether you are purchasing your first home, refinancing an existing loan, or looking for a new investment, I am here to help you with all your needs!
  • Excel Funding Real Estate Services Inc
  • 28924 South Western Avenue, Suite 110, Rancho Palos Verdes, CA, 90275
  • Excel Funding Real Estate Services, Inc., we are a one-stop shop for Real Estate and Financing. With over 20 years of experience, we have helped thousands of people to buy their dream homes! Whether you are looking to refinance, purchase or sell property, we have the expertise to get the job done professionally and efficiently
  • Fairview Mortgage Capital, Inc.
  • 29000 S Western Ave, Suite 210, Rancho Palos Verdes, CA, 90275
  • The Fairview Mortgage Capital Team is your premiere mortgage team located in San Pedro, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California area.
  • Security First Financial
  • 28631 South Western Avenue, Suite 103, Rancho Palos Verdes, CA, 90275
  • Security First Financial 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 the latest in financial tools.
  • Safe 1 Credit Union
  • 8200 Granite Falls Drive, Bakersfield, CA, 93312
  • In 1952, a small group of dedicated and concerned state employees from Union #35 met for the purpose of forming a financial cooperative for co-workers and their families. From these very humble beginnings, Safe 1 Credit Union was founded and formed. The first Safe 1 ""office"" was actually a room located in the home of our first manager.
  • Local Lenders Group
  • locallend!51424, Bakersfield, CA, 93312
  • Local Lenders Group is a California Mortgage Company offering the most competitive mortgage interest rates, and fees. We specialize in the following loan products : FHA, VA, Conventional, Jumbo's, Private Money and Refinances. Customer service is very important to us. As we continue to improve and expand our services,
  • Borda Mortgage Advisors
  • 1006 Calloway, Suite B, Bakersfield, CA, 93312
  • We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today! We serve all of California, our office is located in the central valley of California. We thrive on the success and satisfaction of our clients.
  • 1st Choice Lending
  • 11412 Jimrik Avenue, Bakersfield, CA, 93312
  • 1st Choice Lending or 1st Choice Real Estate in Bakersfield, CA. We are committed to your satisfaction. Specializing in Reverse Mortgages for age 62+ and VA Loans and Investor Fix and Flip up to 90% Purchase Price plus 100% of Renovation Cost. Standard FHA and Convention Purchase, Refinance and Cash out.
  • Team Windes
  • 4801 Calloway Drive Suite 103, Bakersfield, CA, 93312
  • Team Windes 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 and also Todd and Sasha Windes all types of home mortgage loans ranging from first time home buyer’s programs to the most sophisticated .
  • BDM Mortgage Services
  • 21601 Devonshire Street, #219, Chatsworth, CA, 91313
  • At BDM Mortgage Services our church loans are based primarily on the equity in the church’s real estate. Naturally other items are considered, such as income, but the primary factor is the equity. Normally if there is sufficient equity in the church’s real estate we can arrange the church loan.