For the year 2025, 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
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| Loan Category | Loan Ceiling | Minimum Down Payment |
| USDA | $322,900 | 0% |
| FHA | $403,650 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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