FHA VS Conventional loan programs in 2026 for Waterville, Kennebec County, Maine
As of 2026, the limit for conventional loans in Waterville, located in Kennebec county of ME, is $726,200. Meanwhile, the FHA loan limit for a single-family property is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare today's best rates across Conventional, FHA, and USDA loans. Identify the required income, credit standing, reserves, and documents necessary for qualification. Our advanced mortgage calculator provides a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA, helping you choose the ideal program for your financial needs in ME.
2026 Loan Limits and Downpayment Requirements in Waterville, Kennebec, ME
Type of Loan
Maximum Loan Amount
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison pertains to these zip codes: 04901
Explore Conventional and FHA Loan Options in Waterville, ME
The primary aim of Lendersa® is to facilitate acquiring the best possible Conventional, USDA, or FHA loan promptly and with minimal hassle. Choose one of the three paths to discover matching lenders and loan offerings tailored to your specifics.
Schmidt Mortgage Company was originally established in 1940 as “Frank A. Schmidt & Son’s” in Cleveland, Ohio, originating and servicing residential and commercial real estate loans. It was incorporated in January, 1959. It is one of the first 100 lenders in the country to become approved as a seller / servicer of Fannie Mae.
Vantage Point Mortgage have great rates and low fees, but we offer you so much more. One simple question guides us – “How will this particular home loan fit into your overall short and long-term financial and wealth building plans?” In the end, we’re here to serve you and your dreams.
Cornerstone Home Mortgage, LLC offers home mortgages, including conventional, FHA and VA loans in the Chesapeake, VA area. Cornerstone Home Mortgage, LLC will help you navigate the process of obtaining a home loan. We offer our clients the best rates with the lowest closing costs in the area.
(CSE) Federal Credit Union is a member-owned financial cooperative committed to providing easy and effective financial solutions for the Stark County community through service and education. Our goal is to make banking easy for you and your family. CSE Federal Credit Union is committed to helping all people within our community achieve
The mission of Wiremen’s Credit Union, Inc, is to help members gain personal financial success by providing and promoting financial services with benefits over those from other competitive sources and Wiremen’s Credit Union has grown to a $25 million financial institution, serving over 4, 300 members throughout the community.
New Horizon Bank was founded in Powhatan, VA about 20 miles west of Richmond. In 2009, a group of local business owners had a vision to meet a need – a community bank to provide an alternative to large regional and national banks. Powhatan is comprised of merchants, small manufacturers, farms, individuals, and families
Our mission is to help people live frugally, save smarter and borrow for less. Like all credit unions, FFCCU is a not-for-profit, member-owned financial cooperative. Unlike some other financial institutions, our profits go right back to our members in the form of lower loan rates, higher interest on deposits and fewer, lower fees
In 1951, Summit Federal Credit Union ( then known as Summit School Employees Federal Credit Union), like all credit unions, was organized because a handful of people believed in an idea and were willing to work, to serve, to create and to bring to reality a cooperative financial institution. We organized for mutual protection
