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.
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.
4 bedrooms · 3 full bathrooms · 1,966 finished sq. ft. · approximately 0.72 acres.
$425,000
Originally listed at $445,000. Current price reflects a $20,000 reduction.
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.
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.
Photo available from agent profile; a licensed headshot can be added in WordPress.
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.
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.
The right path depends on the buyer, occupancy, income, assets, credit and the property itself. These are starting points, not promises of eligibility.
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 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 →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 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 →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 →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 →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.
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.
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.
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 →Look at an all-in payment and realistic cash to close, not just the list price.
Conventional, FHA, VA, USDA, DPA or alternative financing can produce very different outcomes.
When you are ready, provide the documents needed for a meaningful preapproval and understand its conditions.
Your agent handles the offer. I help make sure the financing strategy supports what you are trying to do.
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.
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.
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