USDA Vs. FHA your options comparison in Falmouth, Cumberland County, ME
In 2025, the USDA loan cap in Falmouth, Cumberland County, ME, stands at $370,700, while the FHA cap for a single-family home is $506,000.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, and comprehend the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding your decision to select the best program for your specific financial status in .
2025 Loan Limits and Down Payment Requirements in Falmouth, Cumberland County, 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 Choices in Falmouth, ME
The mission of Lendersa® is to quickly secure the best USDA or FHA loan without stress. Begin by choosing one of three initial options, connecting you with lenders for USDA loan programs.
A USDA home loan, endorsed by the Department of Agriculture—or USDA rural development loan—is designed for rural areas only. Unlike FHA loans that mandate a 3.5% minimum down payment, USDA loans require no down payment at all.
ACT 1st Federal Credit Union was formerly Allegany County Teachers Federal Credit Union. The Credit Union was formed in 1950 by pooling funds from several teachers in the Allegany County School system. Today, the Credit Union serves individuals who live, work, worship, attend school in and businesses and other legal entities.
First Peoples Community Federal Credit Union is a member-owned cooperative committed to meeting the ongoing financial needs of its members in a safe, prudent personal manner, with the best service possible. As a community credit union, we support the development and expansion of the community.
First Mortgage Services understands that the purchase of a home, for many families, is the most important financial transaction that they will experience. We are committed to providing quality, personalized service and will take the time necessary to explain the mortgage loan that best meets the homeowner’s needs.
Chesapeake Bank’s roots stretch deep into the sandy soil of Virginia’s Northern Neck and reach back to the dawn of the twentieth century. Originally charted as Lancaster National Bank on April 13, 1900, we’ve been focused on our community from the very beginning. The Bank’s first clients were watermen, farmers and small business owners.
At ONE Federal Credit Union, we are ONE team committed to building lifelong relationships with all of our members. Life can be complex, but at ONE, we’re all about making every day better for all of the individuals, businesses and communities we serve. One Federal Credit Union was founded in 1949 for American Viscose Employees.
Apollo Trust Company, “A Bank You Can Believe In, ” has been going strong for 150 years. Organized and operated in Apollo, PA in an effort to help the borough’s people better manage and safeguard their money, the bank started after a meeting at Whitlinger’s Hall on May 16, 1871. Originally named “Apollo Savings Bank, ”
Commercial Bank & Trust of PA opened its doors for business in May 1934 at the Latrobe office of the former Peoples National Bank, a building that serves still today as the bank's main retail office and administrative headquarters. The bank was organized with a total capitalization of $193,250. Founding directors were L.B. Berlin, Michael Charley.
Westmoreland Federal Savings is one of approximately 600 institutions nationwide that has chosen to remain an independent and community focused Mutual Savings Bank. We hold true to the original beliefs of thrift, conservatism and putting our depositors first. While we uphold tradition, we also realize the need.
VASCO Federal Credit Union was formed in 1967 by employees of the Vanadium Alloyed Steel Company in Latrobe. Today, we strive to serve the financial needs of the little guy. We serve over thirty employee groups in the Greater Latrobe area. We currently have nearly 2000 members and hold $24 million in assets.
On 1950, employees of Latrobe Electric Steel Company, now Carpenter Technology Corporation, obtained a federal charter from the National Credit Union Administration and began Lesco Federal Credit Union. The first "office" was in the treasurer's home, followed by a small garage office near the steel plant. On 1960, Lesco FCU moved to 6 Avenue D.
As a member-owned, non-profit financial institution, Latrobe Federal Credit Union is run strictly for the benefit of our members. We strive to provide members with higher yields on savings and lower rates on loans. Decisions are made by a Board of Directors, elected by our membership.
