FHA VS Conventional loan in Saco, York County, Maine
In the year 2026, the limit for conventional loans in Saco, situated in the county of York, ME, is $726,200, while the FHA limit for a single-family home is $506,000.
Lendersa®'s Conventional loan calculator allows you to compare the best rates of today for Conventional, FHA, and USDA loans, while identifying the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator shows a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, aiding in your decision of the most suitable program in ME for your personal financial needs.
2026 Loan Limits and Downpayment Requirements in Saco, York, ME
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$370,700
0%
FHA
$506,000
3.5%
Applicable to the following zip codes: 4072
Available Conventional and FHA Loan Options in Saco, ME
The mission of Lendersa® is to provide you with the best possible Conventional, USDA, or FHA loan swiftly and with ease. Choose from three initiation paths that connect you with suitable lenders and loan programs.
Saco Valley is a not-for-profit, member-owned financial cooperative. Our mission is to provide quality financial services to our members in a personal, friendly and efficient manner, while maintaining financial stability. As a democratic member-owned financial institution, we exist to serve our members.
Saco & Biddeford Savings is a mutual savings bank with the commitment to offer its customers the best rates and lowest fees possible. Maine’s Oldest Bank has maintained an incredible record of support to the communities in its service area and beyond. Saco & Biddeford Savings actively assists many local clubs, groups, and non-profit organizations
Our mission statement is rather simple: Offer competitive rates and close loans as quickly as possible. We specialize in residential lending and work with over 20 different banks and mortgage companies. As a result, we are able to shop each lender for the lowest rates and best programs available.
J.D. Stewart Financial is your local, one-stop, financial planning service agency. Finances can be complex. We believe the proficiency an individual needs is best provided by an independent agent --someone with the integrity and professionalism to take the time to learn about your specific needs
Founded in 1963, PeoplesChoice Credit Union is a leading Maine credit union proudly serving over 17,000 members and managing $180 million in assets. Membership eligibility includes anyone who lives, works or attends school in York and Cumberland County, and the immediate family of PeoplesChoice members
Maine Mortgage Solutions LLC is your source for finding the right home financing option that suits your needs and budget. Whether you're a first-time homebuyer, bought and sold a hundred homes, or looking to invest we can help you.
Mark Violette is the owner of Maine Mortgage Solutions LLC
Blue Stripe Mortgage is a family business that is locally owned and operated in Scarborough, Maine. We have been helping clients throughout the entire state of Maine with their mortgage needs since 2005. Whether you are purchasing a new home, or refinancing your current home, we will guide you through every step of the mortgage process with ease.
383 US Route One, Suite 1F, Scarborough, ME, 04074
Lends in Maine
"Assured Mortgage Solutions is a well established local Mortgage Company with over 25 years of combined experience in the industry.
Since 2008, the two experienced Mortgage Professionals that created Assured Mortgage Solutions, have helped many Maine families achieve mortgage financing through our use of nationwide and local resources."
24 Christopher Toppi Drive, South Portland, ME, 04106
Lends in Maine
Residential Mortgage Services inc. offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services – all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans
