Explore the differences! FHA VS Conventional loan programs in Oakland, Kennebec County, Maine

For the year 2025, the conventional loan limit in Oakland, located in the county of Kennebec, ME, stands at $726,200. The FHA limit for a single-family home, in comparison, is $472,030.

The Lendersa® Conventional loan calculator allows comparisons of today's top Conventional, FHA, and USDA rates. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides side-by-side views of Conforming Conventional loans, USDA, FHA, and VA to assist in choosing the most suitable program in ME for your specific financial situation.

Explore loan offers from 100 lenders

Loan limits and down payment criteria for 2025 in Oakland, county of Kennebec, ME

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

This table of comparisons is applicable to the following zip codes: 4963

Options for Conventional and FHA loans in Oakland, ME

The objective of Lendersa® is to swiftly secure the most advantageous Conventional, USDA, or FHA loan with minimal hassle. Begin with any of the following three options for linking to compatible lenders and loan programs.

Lendersa USDA loan request outcomes


  • FIRST FEDERAL BANK of KANSAS CITY
  • 6900 N. Executive Drive, Kansas City, MO, 66210
  • We are First Federal Bank of Kansas City, and our mission is helping the people and communities we serve build a brighter financial future. That means being the community banking leader in providing customer-focused products, insight and encouragement. It's a purpose bigger than profit. By promoting the power of homeownership
  • Mortgage Enterprises
  • 10955 Lowell, Suite 510, Overland Park, KS, 66210
  • At Mortgage Enterprises. We are a professional mortgage company in Kansas and Missouri specializing in residential mortgages. We find loans that fit the goals of each client. We have highly skilled loan officers who know what it takes to get through underwriting quickly while keeping you informed of your process every step of the way.
  • Himalaya Mortgage
  • 11881 West 112th Street, Overland Park, KS, 66210
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Kendall Mortgage
  • 11225 College Blvd, Suite 100, Overland Park, KS, 66210
  • At Kendall Mortgage, we make the entire home buying process simple & seamless. Whatever your goals, we provide you with the information, resources, & personal service you need to make your home buying dream a reality. Our mission is to provide unparalleled service to our clients. Our goal is to provide home loans with the lowest interest rates.
  • United Mortgage
  • 9393 W 110th St, Suite 350, Overland Park, KS, 66210
  • Established in 2007, United Mortgage has been recognized as one of the fastest-growing private companies in America and is now considered a premiere purchase lender, currently serving Arizona, California, Colorado, Florida, Iowa, Kansas, Missouri, Oregon, Texas, and Washington. At United Mortgage,
  • Homestead Financial Mortgage
  • 8585 College Blvd, Suite 110, Overland Park, KS, 66210
  • "With 20 years experience, Homestead is a unique company. A delegated mortgage banker in that it has 3 business channels based on customer acquisition method, media, referral or hybrid. What makes us unique is our developmental approach to the loan officer’s career. We have had great success developing new loan officers"
  • Farmers Bank of Kansas City
  • 14231 Metcalf Ave, Overland Park, KS, 66223
  • We provide deposits and lending services to a broad range of consumer, retail, manufacturing, agricultural, energy, real estate and commercial customers. Our community banks provide hometown service, resources and support for the eight communities we serve in central Kansas and Overland Park, Kansas.
  • Newton Financial Home Loans
  • 3115 Indigo Place, Seffner, FL, 33584
  • Newton Financial Home Loans is a locally owned mortgage brokerage firm. Mrs. Newton has worked in the banking and finance industry since 2002. You can rely on her knowledge and expertise to find a new home loan that meets your needs and fit your budget. It is important that your lender know your market.
  • Woodmen Federal Credit Union
  • 1700 Farnam Street, Suite 1000, Omaha, NE, 68102
  • Woodmen Federal Credit Union has been open since 1934. The credit union has assets totaling $10.66 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
  • Omaha Public Power District Employees Federal Credit Union
  • 444 S 16th Street, Omaha, NE, 68102
  • The Omaha Public Power District Employees Federal Credit Union (OPPD EFCU) was established in 1938 as a nonprofit financial cooperative for the employees of the Omaha Public Power District and their families. We are member owned and operated under the direction of an elected volunteer board made up of OPPD employees.
  • Gallup Federal Credit Union
  • 1001 Gallup Drive, Omaha, NE, 68102
  • Gallup Federal Credit Union has been open since 1979. The credit union has assets totaling $21.6 Million and provides banking services to more than 2, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
  • LeverageRx
  • 808 Conagra Drive, Omaha, NE, 68102
  • LeverageRx is a digital lending and insurance marketplace exclusively for doctors. We make it incredibly simple to compare rates on physician mortgage loans, physician disability insurance, student loan ReFinancing, and other financial services for medical professionals. Make smart, swift financial decisions with LeverageRx.