Open House · Mechanicsville, MD

28041 Twila Ln: See the Home and Explore the Financing.

Saturday, October 10, 2026 · 12:00 PM–2:00 PM. Tour the property, then use this page to compare possible mortgage paths, down payment options and questions worth asking before you make an offer.

Conventional · FHA · VA · USDAMaryland DPAScenario-first guidanceNMLS #2656628
Ken Powell Fairway Home Mortgage open house financing
Ken Powell
Mortgage Loan Officer · Fairway Home Mortgage
Hosting financing guidance · NMLS #2656628
$425K
Current asking price
4
Bedrooms
3
Full bathrooms
1,966
Finished sq. ft.
Property Snapshot

28041 Twila Ln in Mechanicsville, Maryland

Property facts below are provided for convenience. Verify all listing information, condition, inspections and property eligibility with the listing source, your real estate agent and the applicable mortgage program.

Home

4 bedrooms · 3 full bathrooms · 1,966 finished sq. ft. · approximately 0.72 acres.

Asking Price

$425,000

Originally listed at $445,000. Current price reflects a $20,000 reduction.

Property Notes

Finished basement with wet bar, large modern kitchen, spacious yard, storage shed, no HOA, well water and septic. Property and financing requirements should be independently verified.

View the Full Property Listing & Photos →
Meet the Listing Agent

Questions About This Property? Contact Liz Hart

The listing agent is your direct source for home tours, listing details and offers. Ken Powell can separately help you explore financing; you are free to choose your real estate agent and lender.

Liz Hart

Photo available from agent profile; a licensed headshot can be added in WordPress.

Liz Hart

Pearson Smith Realty, LLC · Listing agent · MLS MDSM2033222

View Full Property Listing ↗
Budget Example

What Could a $425,000 Purchase Look Like?

These are down payment illustrations only. They are not approvals, rate quotes or Loan Estimates. Your actual cash to close and payment depend on your loan program, credit, income, assets, taxes, insurance, mortgage insurance, appraisal, fees and property eligibility.

Example PathIllustrative Down PaymentIllustrative Base Loan
3% Conventional$12,750$412,250
3.5% FHA$14,875$410,125 before FHA upfront mortgage insurance
5% Conventional$21,250$403,750
VA / USDA PossibilitiesPotential $0 required down payment for eligible borrowers / propertiesOther costs and program requirements still apply

Down payment is not the same as total cash to close. Lender and title charges, prepaid insurance, tax escrows, appraisal, inspections and other expenses may remain. Seller concessions, documented gifts and eligible assistance can change the final number.

Use the Mortgage CalculatorExplore Southern Maryland DPA
Loan Paths

Which Mortgage Could Fit This Home?

The right path depends on the buyer, occupancy, income, assets, credit and the property itself. These are starting points, not promises of eligibility.

Conventional

Some eligible primary residence buyers can put as little as 3% down. Gift funds may be allowed, and conventional financing can also work for second homes and investment properties under different down payment rules.

Compare conventional options →

FHA

FHA generally starts at 3.5% down for eligible borrowers and offers flexible qualifying guidelines. Gift funds and seller contributions can be available within program rules.

Explore FHA →

VA

Eligible veterans, active duty service members and some surviving spouses may have a no down payment option with sufficient entitlement and no monthly mortgage insurance.

Start VA Pathfinder →

USDA

USDA can provide a no down payment path for an eligible primary residence in an eligible area, subject to household income, property and geographic requirements. The address must be verified.

Learn about USDA →

Down Payment Assistance

Maryland and Fairway-approved assistance may help eligible buyers with down payment or closing costs. The structure can be a grant, forgivable second, deferred second or repayable second.

Compare DPA programs →

Self-Employed / Alternative Income

If traditional tax-return income does not tell the whole story, bank statement, asset-based and other Non-QM paths may be worth reviewing for an eligible primary residence scenario.

Find my income path →
Mechanicsville & St. Mary's County

Local Questions Matter to the Loan Too.

Homes in the Mechanicsville area can have rural characteristics that deserve attention early in the financing process. The point is not to create problems. It is to identify them before they become closing delays.

Well & Septic

If a property has private well and septic, ask which inspections or certifications are required for your loan type, contract and local practice. Requirements can differ by program and transaction.

USDA Address Eligibility

Parts of Southern Maryland may qualify for USDA financing, but eligibility is address-specific and household income limits apply. Never assume based only on the town name.

Down Payment Assistance

St. Mary's County buyers may have state and Fairway-approved assistance paths worth comparing. Assistance can affect rate, payment, repayment obligations and cash to close.

Southern Maryland DPA guide →
St. Mary's County Mortgage Guide
From Open House to Closing

If You Like the Home, Here Is the Next Move.

1

Review Your Numbers

Look at an all-in payment and realistic cash to close, not just the list price.

2

Compare Mortgage Paths

Conventional, FHA, VA, USDA, DPA or alternative financing can produce very different outcomes.

3

Get Documented

When you are ready, provide the documents needed for a meaningful preapproval and understand its conditions.

✓

Structure the Offer

Your agent handles the offer. I help make sure the financing strategy supports what you are trying to do.

See the Full Mortgage Process
FAQ

Questions Buyers May Ask About This Open House

How much money would I need to buy 28041 Twila Ln?+
It depends on the loan program and your file. At a $425,000 price, the down payment alone could range from a potential $0 for an eligible VA or USDA scenario to 3%, 3.5%, 5% or more for other programs. Closing costs, prepaids, escrows and inspections may also apply. Use the Financing Finder or send me the scenario for a personalized review.
Could I use Maryland down payment assistance on this home?+
Potentially. Eligibility depends on the borrower, household income, first mortgage, property, purchase price and the specific assistance program. Assistance should be compared by total payment and repayment terms, not just the dollar amount offered.
Could this property work with a VA loan?+
Potentially, if the borrower is VA eligible and the property meets VA requirements. A VA appraisal reviews value and minimum property requirements. Well and septic considerations should be discussed early when applicable.
Could this home qualify for USDA financing?+
USDA eligibility is based on the exact property address as well as household income and other program requirements. Mechanicsville has rural characteristics, but the address must be checked before relying on USDA as the financing strategy.
What should I ask about the well and septic system?+
Ask your agent about available records, inspections and contract terms. Then ask me whether your selected mortgage program creates any additional water, septic or property-condition requirements. Identifying those items before the appraisal or underwriting review can reduce surprises.
I am self-employed. Can I still finance this as my primary home?+
Yes, potentially. Traditional conventional, FHA, VA or USDA financing may work when income is documentable. If tax returns do not reflect the full financial picture, bank statement, asset-based or other alternative documentation options may be worth reviewing.
Visit the Mortgage FAQ Hub →

Like the Home? Send Me the Address and Your Goal.

You do not need to know which mortgage program to ask for. Tell me what you are trying to accomplish and I will help you identify the financing paths worth exploring before you move forward.

Send Ken This ScenarioStart With the Financing Finder

Property facts and asking price are based on the linked public listing and should be independently verified. Listing agent: Liz Hart, Pearson Smith Realty, LLC. Ken Powell is providing mortgage financing information and is not presented on this page as the listing agent. Financing examples are educational illustrations only, not offers, approvals, rate quotes or commitments to lend. Programs are subject to borrower, property, credit, income, asset, appraisal, investor and underwriting requirements. Equal Housing Opportunity.

Equal Housing Opportunity Equal Housing Lender Fairway NMLS #2289 Ken Powell NMLS #2656628 Fairway Home Mortgage