FHA VS Conventional loan programs in 2025 for Bangor, Penobscot County, Maine

For the year 2025, the loan limits in Bangor, located in Penobscot county, ME, state that the conventional loan amount is $726,200, while the FHA limit is $472,030 for any single-family residence.

Leverage the Lendersa® Conventional loan calculator to assess the differences between current Conventional, FHA, and USDA rates. Identify the required income, credit rating, reserves, and documents for qualification purposes. Our comprehensive mortgage calculator lets you view Conforming Conventional, USDA, FHA, and VA loans compared directly, helping you determine the optimum choice for your financial scenario within ME.

Access loan offers from a network of over 100 lenders

2025 Loan Limits and Down Payment Details for Bangor, Penobscot, ME

Type of Loan Limit on Loan Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table corresponds to the zip codes: 04401, 04402

Options for Conventional and FHA Loans in Bangor, ME

The mission of Lendersa® is to provide you with the most suitable Conventional, USDA, or FHA loan swiftly and conveniently. Choose one of the three available options to connect with lenders and programs that match your needs.

USDA loan matching results by Lendersa


  • Charmaine Roberts & Associates LLC
  • 3355 Lenox Road, Suite 1000, Snellville, GA, 30326
  • Charmaine Roberts & Associates LLC mortgage broker with over 18 years experience in the mortgage industry. I've partnered with multiple lenders that finance good credit and credit challenged borrowers. Getting approved for a home loan is a multi layered qualification process I'll guide you through.
  • EMG MORTGAGE
  • 3344 Peachtree Rd NE, Suite 2902, Atlanta, GA, 30326
  • EMG Mortgage is a division of Ellis Management Group LLC, a locally owned mortgage company established in 1996. The owner and President of the company, Mary Ellis, has been in the Lending Industry for almost 40 years. Our main office is located in Albany, GA with a branch office in Atlanta, GA.
  • POST CREEK MORTGAGE, LLC
  • 3348 Peachtree Rd NE, Suite 700, Atlanta, GA, 30326
  • Welcome to Post Creek Mortgage, where we specialize in residential mortgages. At Post Creek Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Assertive Mortgage LLC
  • 3105 Creekside Village Drive, Suite 706, Kennesaw, GA, 30144
  • Assertive Mortgage has redefined homeownership with modern technology. We believe homeownership should be faster, simpler, and more affordable to get a mortgage in America. Our digital mortgage platform helps borrowers process information on the loan application. We’re changing the way traditional mortgage process from being stressful.
  • First Trust and Savings Bank
  • 123 Main St, Wheatland, IA, 52777
  • First Trust and Savings Bank, with it's origin dating back to 1886, has been very blessed to be part of a strong agricultural area that now includes facilities in the towns of Wheatland, Dixon, Lost Nation, Calamus, Grand Mound, and Donahue, Iowa.First Trust is a locally owned community bank, with many long term experienced employees to serve you.
  • Minnesota Power Employees Credit Union
  • 30 West Superior Street, Suite 126, Duluth, MN, 55802
  • Minnesota Power Employees Credit Union (MPECU) is a member-owned, not-for-profit financial cooperative, whose primary mission is serving our member/owners. Minnesota Power Employees Credit Union was founded in 1933. During our first 61 years, we only served the employees and family members of Minnesota Power.
  • North Shore Bank of Commerce
  • 131 W. Superior St, Duluth, MN, 55802
  • North Shore Bank is a locally-owned and managed, independent, community bank that has been operating in the Duluth area for over 100 years. We proudly offer a full array of traditional personal and business banking products, mortgage services, and a full selection of trust & investment services all handled by our experienced and professional staff.
  • Harbor Pointe Credit Union
  • 11 W 2nd St, Duluth, MN, 55802
  • We look forward to becoming your exclusive full-service financial institution. Harbor Pointe Credit Union was founded in 1933 as Duluth Teachers Credit Union to serve the financial needs of the educational community of Duluth. We have grown to serve over 9000 members in our community with our savings, checking, investment, mortgage.
  • Banterra Bank
  • 1501 US-45, Eldorado, IL, 62930
  • At Banterra, we’ve been proud to serve customers since 1975, providing local-style service from day one. We know that smart banking is about relationships and understanding our customer needs, and having an exceptional team on board to accomplish that. That’s why we’d like for you to get to know us, as well,
  • AHP Capital
  • 755 Commerce Drive, Suite 803, Decatur, GA, 30030
  • AHP Capital Out of the depths of the recession of the mid 2000s and the largest loss of real estate value in US history David Dick and Jim Cantrell formed a new real estate company with a diversified approach to lending and investing. and also Their new company combined construction, property management, sales and lending.