USDA Vs. FHA Pro and Con comparison in Arundel, York County, ME
For 2026, the USDA loan limit in Arundel, within York county, ME, is set at $370,700. Meanwhile, the FHA limit for a single-family home is $506,000.
Utilize the Lendersa® USDA loan calculator to compare today's USDA versus FHA rates and assess income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, helping you select the best program in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Arundel, York, ME
Loan Type
Loan Limit
Down Payment
USDA
$370,700
0%
FHA
$506,000
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Arundel, ME
Lendersa® aims to connect you quickly with the best possible USDA or FHA loans without hassle. Choose from three starting paths that match you with lenders and compatible USDA loan programs.
A USDA home loan, backed by the government through the Department of Agriculture, also known as a USDA rural development loan or mortgage, is designed for rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans require none.
37 Western Avenue, Suite 308, Kennebunk, ME, 04043
Lends in Maine
Big Horizon mortgage professionals deliver the market’s best programs and competitive rates from trusted institutions. Customers benefit from a wide variety of offerings. Independent relationships with leading national and local lending institutions allow Big Horizon to tailor solutions to individual needs.
On July 22, 1867, Biddeford Savings received its initial bank charter by an act of the Maine Legislature. From those earliest days we have focused on a few simple ideals — treating our customers like family and developing a deep and meaningful relationship with our local community and neighbors
Atlantic Federal Credit Union serves Southern Maine in Biddeford, Brunswick, Cumberland, Freeport, Sanford, Saco, Topsham, and York. With Atlantic Kasasa Free Checking, along with great Auto Loan and Mortgage rates Atlantic believes that better rates can lead to a better future and a better life.
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
Partners Bank, formerly SIS Bank, was founded in 1933 and is headquartered in Sanford, Maine, with additional branch locations in Springvale, South Sanford, Limerick, Buxton, Waterboro, Wells and York, Maine, as well as Portsmouth and Rye, New Hampshire. Partners Bank, formerly SIS Bank, completed a rebrand in July 2019
