Explore the differences! FHA VS Conventional loan programs in La-Plata, Charles County, Maryland

In 2026, the conventional loan limit in La-Plata, county of Charles, MD has been established at $970,800, whereas the FHA limit for a single-family home is $970,800.

Make use of the Lendersa® Conventional loan calculator to effectively assess today's top rates available for Conventional, FHA, and USDA loans. This tool assists in determining the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you view Conforming Conventional loans, USDA, FHA, and VA side by side to aid you in making a decision on which program in MD best suits your financial needs and situation.

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2026 Loan Limits and Down Payment Requirements for La-Plata, Charles, MD

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

Note: This table applies to zip codes: 20646

Available Conventional and FHA Loan Options in La-Plata, MD

The aim of Lendersa® is to provide you with the best possible loan options, whether it's Conventional, USDA, or FHA, in a prompt and convenient manner. Commence your journey by selecting one of three effective approaches, each designed to match you with tailored lenders and loan programs that fit your requirements.

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La-Plata Lenders

  • LBG Lending Services LLC
  • 4333 Charles Crossing Drive, White Plains, MD, 20695
  • Lends in Maryland
  • LBG (Led By God) Lending Servieces is a Christian and Veteran owned company. 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.

  • Colonial Mortgage Group
  • 3261 Old Washington Road, Suite 1011, Waldorf, MD, 20602
  • Lends in Maryland
  • Colonial Mortgage Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism

  • U. S. Postal Service Federal Credit Union
  • 7905 Malcolm Road, Suite 311, Clinton, MD, 20735
  • Lends in Maryland
  • U. S. Postal Service Federal Credit Union is a member-owned and operated not-for-profit financial cooperative chartered in 1934 under federal law. USPS FCU provides sound financial support for Postal Workers, Postal Retirees, and Postal Family Members. We encourage our members to make wise financial choices for the well-being of themselves.

  • Your Mortgage Genie LLC
  • 13205 Sunfield Terrace, Fort Washington, MD, 20744
  • Lends in Maryland
  • We are a full-service mortgage company for first-time homebuyers servicing MD, Washington DC, VA, and FL. We specialize in Residential Real Estate Loans with options to UNLOCK YOUR DREAMS.What makes Your Mortgage Genie unique is we strive to meet individual goals by offering customized products and investment tools to service your individual goal

  • Potomac Trust Mortgage Company LLC
  • 10009 Indian Queen Point Road, Fort Washington, MD, 20744
  • Lends in Maryland
  • Potomac Trust Mortgage we are committed to providing customers with the best service and rates available. We are a local company who’s professional staff goes above and beyond to assist our clients with the entire loan process. Our goal is to make the loan process as simple and stress-free as possible.