Unfortunately, you're right, it is genetic. It is a sex-linked trait that you got from your mother. (The fact that your dad is bald is only coincidental.) Unfortunately, no herbal cures will cease your hair loss or grow it back, so don't be suckered into something that you see on the web.
See your doctor, but I think these are your options:
1. Legit meds like Rogaine work on some men, but not all, and to varying degrees of success. I think Rogaine is now sold over the counter. There may be better meds than Rogaine.
2. Plugs and hair manipulations where they thin out your hair and replant it in the dead areas.
The remaining options are cosmetic; toupee, comb over, shaved head. Michael Jordan had a lot to do with starting the shaved head fashion when he shaved his head after his hairline started receding as well.
I have a full head of hair at age 48 but my two boys may be in trouble as my wife's father had a chrome dome.