FHA VS Conventional loan in Jay, Franklin County, Maine
In 2026, the conventional loan limit in Jay, county of Franklin, ME is $726,200 while the FHA limit for a single-family home stands at $472,030.
Use the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans and figure out the income, credit, reserves, and paperwork needed to qualify. With our advanced mortgage calculator, examine Conforming Conventional loans, USDA, FHA, and VA side by side to choose the best program in ME for your financial conditions.
Loan Limits and Down Payment Requirements for 2026 in Jay, County of Franklin, ME
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to the zip codes: 04239
Options for Conventional and FHA Loans in Jay, ME
Lendersa® aims to quickly provide you with the best possible Conventional, USDA, or FHA loan without any hassle. Choose one of the three starting points to connect with compatible lenders and loan programs.
As a cooperative, not-for-profit financial institution, we are able to offer lower rates on loans, higher dividend rates on your accounts, fewer fees, and more flexible and personalized financial services to our members than our larger, for-profit competitors. That means more of your hard-earned money stays in your pocket, and in our community.
Franklin Savings Bank is a community bank with locations in the Western Maine foothills and a Business Center in Ellsworth. We offer full-service, 24-hour bank that has been meeting the financial needs of our communities since 1868. Find out why everyone loves to Bank with Frank!
Oxford Federal Credit Union is a not-for-profit financial institution that is owned and run by members like you. Our board of directors is democratically elected by our membership, and all members of Oxford FCU have one vote - regardless of the amount of money they have on deposit.
Our credit union is a not-for-profit, cooperative financial institution owned by its members. Business decisions at Winthrop Area FCU are driven by what is in the best interests of the membership. As a credit union founded to help under-served individuals, we continue to believe that access to financial services.
KV Federal Credit Union is a member owned financial institution, that is based on building relationships one member at a time through a professional, courteous and genuine approach. We pride ourselves on providing outstanding quality financial products, services and technology while maintaining a financially sound institution.
Connected Credit Union shares profits with members as they are owners/share holders of a financial cooperative. Originally chartered in 1967 as the Maine Teachers Association Credit Union – to serve Educators throughout Maine; changing its name to Maine Education Credit Union in the mid 90’s.
Capital Area Federal Credit Union is a not for profit, member owned organization that has been proud to serve our community members for over 65 years.We have grown over time but have not forgotten who we are & those who have supported us over the years.We offer a full range of financial products & services; from share accounts to checking accounts.
Dirigo Federal Credit Union services members in the greater Lewiston/Auburn area including Mechanic Falls & South Paris and has for over 60 years! Dirigo FCU proudly serves the counties of Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York.
East Coast Mortgage Group is a mortgage broker that is located in Auburn, Maine that offers the best rates, terms and fast closings throughout the State of Maine. Since 2007, East Coast Mortgage Group has been a mortgage company that has excelled to meet the needs of Maine communities within Lewiston, ME, Auburn, ME and Portland
