FHA VS Conventional loan in Harpswell, Cumberland County, Maine
As of 2026, the conventional loan limit in Harpswell, which is part of Cumberland county, ME, is $726,200. The FHA limit for a single-family home is $506,000.
Utilize the Lendersa® Conventional loan calculator to evaluate today's best rates for Conventional vs. FHA vs. USDA loans. Determine the income, credit, reserves, and necessary documentation to qualify. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side to decide which program is best suited to your financial needs in ME.
Loan Limits and Down Payment Requirements for 2026 in Harpswell, County of Cumberland, ME
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$370,700
0%
FHA
$506,000
3.5%
This table is applicable to zip codes: 04079
Options for Conventional and FHA Loans in Harpswell, ME
Lendersa® aims to provide you with the best possible Conventional, USDA, or FHA loan swiftly and with ease. Choose from the three starting points to connect with matching lenders and loan programs.
Midcoast Federal Credit Union is a not-for-profit financial cooperative, owned by our Members who are residents, relatives, or people employed by numerous businesses throughout the Midcoast Region of Maine. Midcoast Federal Credit Union serves the communities of Sagadahoc, Lincoln and Knox counties along with residents and businesses.
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.
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We are committed to providing our clients with the highest quality financial services. A member of the Corey Scott Team will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Carriage House Mortgage seeks to create excellence within the real estate community. It is our goal to provide sensible, prudent and expert lending services to each one of our clients. We will ensure that we provide only the most appropriate lending products. Our goal is to provide our customers with fair mortgage rates at reasonable prices.
TruChoice Federal Credit Union, a leading Maine Credit Union, offers competitive savings and loan rates and free online banking services to local members in 10 Maine counties. Credit Union, a leading Maine Credit Union, offers competitive savings and loan rates. we help you make the most of your money by taking the time to learn your story.
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