USDA and FHA Pro and Con in Dexter, Penobscot County, ME

In 2025, the USDA loan limit for Dexter in Penobscot, ME, is $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side to help in selecting the best program in for your financial situation.

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2025 Loan Limits and Downpayment Requirements in Dexter, Penobscot, ME

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Dexter, ME

The objective of Lendersa® is to rapidly connect you with the best USDA or FHA loans without hassle. Select from three starting points that facilitate matching you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in ME?

A USDA home loan is backed by the U.S. Department of Agriculture, often called a USDA rural development loan or mortgage, and is exclusive to rural areas. Contrary to FHA loans that require a minimum down payment of 3.5%, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Norway Savings Bank
  • 261 Main St, Norway, ME, 04268
  • Norway Savings Bank is a leading mutual banking and financial services company headquartered in Norway, Maine. The bank was founded in 1866 with a commitment to personal values, community values and financial values that have never faltered. The mission of Norway Savings Bank is to promote the long-term financial growth and success of our customers
  • Katahdin Trust Company
  • 11 Main Street, Patten, ME, 04765
  • Katahdin Trust is built on our heritage of commitment to the growth of the communities we serve. In our role as a true community bank, Katahdin Trust and its employees have long been recognized for our commitment to giving back to the communities that we serve. We are very proud that our commitment to communities is so extensive.
  • Midcoast Federal Credit Union
  • 186 Lower Main Street, Freeport, ME, 04032
  • Midcoast Federal Credit Union is a not-for-profit financial cooperative, owned by our Members who are residents, relatives, or people employed by numerous businesses throughout the Midcoast Region of Maine. Midcoast Federal Credit Union serves the communities of Sagadahoc, Lincoln and Knox counties along with residents and businesses.
  • Downeast Credit Union
  • 23 Third Avenue, Baileyville, ME, 04694
  • Downeast Credit Union was founded in 1941 by employees of St. Croix Pulp and Paper Company. Since then, DECU has grown to over 20, 000 members sharing the common bond with those who live, work, worship, attend school, or conduct business in Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties.
  • AnnieMac Mortgage
  • 78 US Route 1, Cumberland Foreside, ME, 04110
  • We are committed to providing our clients with the highest quality financial services. A member of the Corey Scott Team will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan
  • Cumberland County Federal Credit Union
  • 101 Gray Road, Falmouth, ME, 04105
  • Cumberland County Federal Credit Union (CCFCU) is the 8th largest credit union in Maine, locally operated and member-owned, and offering a full range of financial services. Headquartered in Falmouth, ME, CCFCU currently has a Contact Center and five branch locations – Portland, Westbrook, Gray, Windham and Yarmouth.
  • Constant Energy Capital
  • 202 US Route 1, Suite 102, Falmouth, ME, 04105
  • Constant is transforming the business of getting America’s $14.6 trillion household debt repaid by automating manual loan management tasks and empowering borrowers to self-serve. We modernize loan servicing with interactive, digital solutions so borrowers can better understand, manage and pay back their debts.
  • Maine Pointe Lending
  • 202 US Route 1, Suite 102, Falmouth, ME, 04105
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Carriage House Mortgage Company
  • 170 US Route 1, Suite 160, Falmouth, ME, 04105
  • Carriage House Mortgage seeks to create excellence within the real estate community. It is our goal to provide sensible, prudent and expert lending services to each one of our clients. We will ensure that we provide only the most appropriate lending products. Our goal is to provide our customers with fair mortgage rates at reasonable prices.
  • Homestead Mortgage Loans Inc.
  • 840 Roosevelt Trail, Windham, ME, 04062
  • "Our team has built a strong reputation as an outstanding local mortgage company, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage company with an experienced staff offering expertise in every area of mortgage lending"
  • NORTHSTAR MORTGAGE GROUP LLC
  • 625 Roosevelt Trail, Windham, ME, 04062
  • Northstar Mortgage Group LLC specializes in matching home buyers with the right mortgages. We’re committed to providing the highest quality service available anywhere. Northstar Mortgage Group LLC is Mortgage Broker so we can custom fit your needs! When you get pre-approved through Northstar Mortgage Group.
  • Northway Bank
  • 9 Main Street, Berlin, NH, 03570
  • Northway Bank, headquartered in Berlin, New Hampshire, and a wholly-owned subsidiary of Northway Financial, Inc., serves dozens of communities throughout New Hampshire with 16 full-service branches and two loan production offices located in Bedford and Portsmouth. Today, with assets over $900 million, Northway Bank is one of the largest independent