Explore the differences! FHA VS Conventional loan programs in Biddeford, York County, Maine

In 2025, the conventional loan limit for Biddeford, located in the county of York, ME, is $726,200. For a single-family home, the FHA limit is $506,000.

Utilize Lendersa® Conventional loan calculator to explore the current best rates between Conventional, FHA, and USDA loans. Identify the required income, credit score, reserves, and paperwork to qualify. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA, assisting you in determining the best program in ME for your financial situation.

Evaluate loan options from 100 different lenders

2025 Loan Limits and Downpayment Requirements in Biddeford, county of York, ME

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $370,700 0%
FHA $506,000 3.5%

This comparison table applies to these zip codes: 04005, 04006, 04007

Explore Conventional and FHA Loan Options in Biddeford, ME

The aim of Lendersa® is to quickly and effortlessly secure the best possible Conventional, USDA, or FHA loan for you. Choose from three starting points to connect with matching lenders and loan programs.

USDA loan request matching results from Lendersa


  • Five County Credit Union
  • 765 Washington Street, Bath, ME, 04530
  • Our Mission is Delivering true convenience through extended hours, modern & traditional banking services and trusted solutions. Five County Credit Union was founded by the employees of Bath Iron Works in 1956 and was then known as the "BIW Employees Federal Credit Union". In 1993, the credit union converted to a state charter.
  • Bath Savings Institution
  • 105 Front Street, Bath, ME, 04530
  • Bath Savings is a mutual savings bank serving Midcoast and Southern Maine for more than 165 years. We provide personal and commercial banking and investment solutions paired with competitive rates, personal service, and online banking technology that put you in control of your finances.
  • Community Credit Union Maine
  • 144 Pine Street, Lewiston, ME, 04240
  • Community Credit Union has been serving our members & the community since 1945 and hopes you will give us the opportunity to serve you. We also believe strongly in giving back to our community. After all, Community is our name. Board Members, Management and employees of Community Credit Union are personally involved by serving on community boards.
  • Milestones Federal Credit Union
  • 291 Pine Street, Lewiston, ME, 04240
  • Milestones Federal Credit Union (formerly known as Lewiston Municipal Federal Credit Union) has been open since 1944. We have amazing low rates, and higher rates for certificates. The credit union has assets totaling $30.13 Million and provides banking services to more than 2, 000 members.
  • Maine Family Federal Credit Union
  • 555 Sabattus Street, Lewiston, ME, 04240
  • Maine Family Federal Credit Union offers home loans, car loans, VISA Cards, free checking, online banking and much more! Whatever you need check with Maine Family Federal Credit Union offers home loans, car loans, VISA Cards, free checking, online banking and much more! Whatever you need check with us first. Experience the Feeling of Family.
  • Lewiston Municipal Federal Credit Union
  • 291 Pine St, Lewiston, ME, 04240
  • Lewiston Municipal Federal Credit Union Not-for-profit, member owned cooperative providing financial services to the employees and their family members of the Cities of Lewiston and Auburn Maine, including City Hall, Public Works, Schools, Housing Authority, Fire Department, Police Department, Library, etc.
  • Geosegment Systems
  • 24 Front Street, Suite 203, Exeter, NH, 03833
  • Geosegment Systems was founded in 1991 in Cambridge, Massachusetts as a provider of mortgage market share data from county registry of deed data. In the age before the internet, CD-ROMs, DVDs, flash drives, and other high capacity transmission methods, we received data via the 9-track magnetic tape format first invented by IBM.
  • Bank of New Hampshire
  • 62 Pleasant Street, Laconia, NH, 03246
  • Our mission is to remain an independent mutual financial institution, delivering innovative solutions and exceptional service, while assisting our employees, customers and communities to build brighter futures. Bank of New Hampshire has been a mutual banking organization focused on our depositors and accountable to our communities.
  • The Provident Bank
  • 5 Market Street, Amesbury, MA, 01913
  • We were founded in 1828 and were a “traditional” bank for a long time. But in 2020, we reshaped our nearly 200-year-old DNA to become an innovative, adaptive and technology-first, commercial bank supporting businesses across specialty markets like Digital Assets, Banking as a Service and Renewable Energy.
  • National Mortgage Advice
  • 110 Haverhill Road, Suite 312, Building C, Amesbury, MA, 01913
  • At National Mortgage Advice, we finance what national banks can't or wont! We Offer: Real Estate Counseling, Acquisition, Development and Financing. We finance in 43 States. Jeffrey J. Moore President at National Mortgage Advice, Inc. National Mortgage Advice, LLC is now their lender of choice.
  • Meredith Village Savings Bank
  • 24 NH Route 25, Meredith, NH, 03253
  • MVSB is a mutual savings bank that operates for the benefit of its depositors, borrowers & surrounding communities. As a result, MVSB has remained steadfast in fostering the economic health and well-being of the community since it was founded in 1869. For over 150 years, Meredith Village Savings Bank (MVSB), has been serving the people, businesses.
  • Newburyport Five Cents Savings Bank
  • 63 State Street, Newburyport, MA, 01950
  • We’re a full-service community bank that’s been serving the Greater Seacoast since 1854. We know this area well and are unwavering in our commitment to equip people and businesses with everything you need to journey well and achieve the outcomes you desire. We’re involved in the betterment of community and embrace philanthropy.