FHA VS Conventional loan in 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.
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.
Every customer is treated with integrity and respect. When you walk through the doors of any of our 11 Maine branches, you can count on a highly personalized banking experience and an honest, forthright team of employees that are genuinely interested in meeting your individual needs.
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.
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!
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.
Rockland Savings Bank creates unmatched customer loyalty, builds lasting relationships and embraces innovation to meet our customers financial goals all while professionally delivering friendly, personal service. We believe the strength of our community comes from the strength of its members.
Maine Savings is a modern financial institution with state-of-the-art technology offering members a full range of financial services. Maine Savings is federally insured by NCUA. Maine Savings is an Equal Housing Lender. Maine Savings is a modern financial institution with state-of-the-art technology offering members a full range.
