In 2025, the USDA loan limit in China, Kennebec county, ME amounts to $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today’s best USDA vs. FHA rates, determining the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, helping you select the most suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to swiftly secure you the best USDA or FHA loan with ease. Choose one of three starting points that help match you with lenders and the appropriate USDA loan programs.
A USDA home loan, guaranteed by the government through the Department of Agriculture—known as a USDA rural development loan or mortgage—is available exclusively in rural areas. Unlike FHA loans that require a minimum of a 3.5% down payment, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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