USDA and FHA Pro and Con in Cape-Elizabeth, Cumberland County, ME
For the year 2026, the USDA loan cap within Cape-Elizabeth situated in Cumberland of ME amounts to $322,900, whereas for a single-family home, the FHA cap is set at $403,650.
Employ Lendersa® USDA loan calculator to distinguish between the top rates of USDA and FHA loans available today. The tool helps identify the income, credit, reserves, and documentation necessary for qualification. Our state-of-the-art mortgage calculator displays USDA, FHA, Conforming, and VA loans side-by-side to assist in choosing the most suitable loan program in for your specific financial needs.
Loan Limits and Down Payment Requirements for 2026 in Cape-Elizabeth, Cumberland County, ME
Loan Category
Loan Ceiling
Minimum Down Payment
USDA
$322,900
0%
FHA
$403,650
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Programs Available in Cape-Elizabeth, ME
The mission of Lendersa® is to expedite the process of securing the premium USDA or FHA loan effortlessly. Choose one of three starting pathways that connect you with lenders and participating USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government's Department of Agriculture. It is available exclusively in rural communities. While FHA loans require a down payment of no less than 3.5%, USDA loans necessitate no down payment at all.
Coast Line Credit Union, originally chartered as Railroad Workers Credit Union of Maine, was organized in 1927 to serve the employees of the Maine Central Railroad Company and/or Portland Terminal Company. In 1996 the name of the credit union was changed to Coast Line Credit Union to reflect its expanded field of membership.
Maine Media Federal Credit Union is committed to providing the highest level of financial service to our membership, a group comprised of media professionals and their family members. Maine Media Federal Credit Union sets itself apart from the rest with personal, friendly service - it's the foundation we're built on.
At Town & Country Federal Credit Union, we pride ourselves on our superior products and outstanding member service. We consider our members to be our number one priority.
If you have a suggestion, question or complaint, we hope you'll share it with us. Simply fill out the form below, and one of our associates will get back with you shortly
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
10 Donald B Dean Dr, Suite, Suite 2, South Portland, ME, 04106
Lends in Maine
Acadia Lending Group is the largest mortgage broker in the State of Maine offering industry leading technology, a variety of lending options, low-rate mortgages, and unparalleled customer service. We've become the mortgage experts the resident of Maine depend on for all their purchase and refinance needs.
Founded in 2017, Home Base Mortgage Group has quickly grown into one of the top mortgage companies in the state. When Home Base Mortgage Group first started out, their passion for helping people drove them to open their own Mortgage Company to provide the best possible knowledge, experience and customer service to each borrower.
TruChoice Federal Credit Union, a leading Maine Credit Union, offers competitive savings and loan rates and free online banking services to local members in 10 Maine counties. Credit Union, a leading Maine Credit Union, offers competitive savings and loan rates. we help you make the most of your money by taking the time to learn your story.
At Maine Home Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
Select Realty Capital offers financing options for all stages of real estate investment. Whether you are looking to start a new build project, fix and flip a house, or buy and hold rental properties - we have options to help with your investing needs. Our firm specializes in short term loans to real estate investors and developers.
