FHA VS Conventional loan programs in 2025 for Lutherville, Baltimore County, Maryland

In 2025, the conventional loan cap for Lutherville, in Baltimore county, MD, is $726,200. For a single-family home, the FHA limit is set at $632,500.

With the Lendersa® Conventional loan calculator, compare today's best rates for Conventional, FHA, and USDA options. Find out the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator offers a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA programs, helping you choose the best program in MD for your financial requirements.

Browse loan offers from 100 different lenders

2025 Loan Limits and Downpayment Requirements in Lutherville, Baltimore, MD

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

This table applies to zip codes: 21093, 21094

Conventional and FHA Loan Options in Lutherville, MD

At Lendersa®, our objective is to provide you with the finest Conventional, USDA, or FHA loans rapidly and without stress. Choose from three initial strategies that connect you with lenders and loan programs that suit your needs.

Results from Lendersa USDA loan requests


  • Cornerstone Bank
  • 45th St 2280 45th Street S, Fargo, ND, 58104
  • North and South Dakota, our bank has been growing since 1936. We believe that while bank products are similar in most financial institutions, Cornerstone Bank offers one distinct difference: here you have easy access to the experts—the people who help you make decisions, whatever your business and whatever your balance.
  • NEXA Mortgage | Kyle Green
  • 5551 36th Ave S, Unit D, Fargo, ND, 58104
  • "I provide mortgage loan products for homeowners purchasing or refinancing real property in North Dakota. While partnered with NEXA, I bring extensive loan options to my clients. Effectively achieving my clients home goals is my top priority. Schedule an appointment with me here: https://Calendly.com/kylegreen1/mortgage-inquiry/"
  • Forward Mortgage
  • 4575 23rd Ave S, Suite 250, Fargo, ND, 58104
  • 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
  • VALLEY MORTGAGE, INC
  • 3315 45th Street South, Suite 200, Fargo, ND, 58104
  • VALLEY MORTGAGE, INC is ultimate goal is to create lasting relationships with each of you so we may continue providing excellent mortgage loan service to you, your family and friends. Referrals from happy customers are our best advertising we can hope for and we've built a solid business.
  • Park Mortgage
  • 4170 41st Ave S, Suite 102, Fargo, ND, 58104
  • Park Mortgage, our purpose is to simplify the mortgage process. We are committed to customer satisfaction and value communication to understand your financial needs. We will listen to you and encourage your questions. Our established relationships allow us to shop the market quickly to find the best product at the best rate.
  • United Savings Credit Union
  • 1001 1st Avenue N, Fargo, ND, 58102
  • United Savings Credit Union is dedicated to providing exceptional customer service, educating members and helping them succeed financially. Visit us online for more information. United Savings Credit Union has been open since 1935. It's the 13th largest credit union in North Dakota with assets totaling $81.35 Million
  • Freedom Community Credit Union
  • 2940 N University Drive, Fargo, ND, 58102
  • Freedom Community Credit Union is a member-owned and controlled financial organization. We promote financial responsibility and member education and involvement while maintaining long-term financial stability.Credit Union is a member-owned and controlled financial organization. We promote financial responsibility and member education
  • Fargo VA Federal Credit Union
  • 2101 North Elm Street, Fargo, ND, 58102
  • At Fargo VA Federal Credit Union, our members are our first priority. If you have questions or concerns, we want to know. We provide products and services that help the financial stability and economic growth for both our members and our community. As part of your community, we plan for the future to help individuals
  • American Federal Bank
  • 215 5th St N, Fargo, ND, 58102
  • At American Federal Bank, we know our clients and understand their farm and business operations. Our clients have confidence in the advice and solutions we offer to help them reach their goals. They know and trust that we will take care of them. Clients tell us they'd recommend American Federal in a heartbeat!