USDA Vs. FHA your options comparison in Farmington, Franklin County, ME
In the year 2026, the USDA loan limit for a single-family home in Farmington, within the county of Franklin, ME, is designated at $336,500. By contrast, the FHA loan limit is set at $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top rates available between USDA and FHA loans today. This calculator helps determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator also offers a side-by-side comparison of USDA, FHA, Conforming, and VA programs, facilitating informed decisions on the best option for your financial circumstances in .
Loan limits and down payment requirements for 2026 in Farmington, Franklin County, ME
Loan Type
Maximum Loan Limit
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Farmington, ME
At Lendersa®, our aim is to give you the best USDA or FHA loan promptly and with ease. Start with one of our three options to match with lenders and explore USDA loan programs.
The USDA home loan is a government-backed mortgage facilitated by the Department of Agriculture, also referred to as a USDA rural development loan. This loan is exclusive to rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan has no down payment requirement.
Franklin Savings Bank is a community bank with locations in the Western Maine foothills and a Business Center in Ellsworth. We offer full-service, 24-hour bank that has been meeting the financial needs of our communities since 1868. Find out why everyone loves to Bank with Frank!
As a cooperative, not-for-profit financial institution, we are able to offer lower rates on loans, higher dividend rates on your accounts, fewer fees, and more flexible and personalized financial services to our members than our larger, for-profit competitors. That means more of your hard-earned money stays in your pocket, and in our community.
Oxford Federal Credit Union is a not-for-profit financial institution that is owned and run by members like you. Our board of directors is democratically elected by our membership, and all members of Oxford FCU have one vote - regardless of the amount of money they have on deposit.
Franklin-Somerset Federal Credit Union’s humble beginnings began as Bass Shoe Federal Credit Union with 8 members – six women & two men, each with a share of $5.00, on 1962. Since then, our charter has changed a bit & our field of membership grown. In the seventies, Bass Shoe Federal Credit Union became Wilton Community, then Franklin County FCU.
Every customer is treated with integrity and respect. When you walk through the doors of any of our 11 Maine branches, you can count on a highly personalized banking experience and an honest, forthright team of employees that are genuinely interested in meeting your individual needs.
Our credit union is a not-for-profit, cooperative financial institution owned by its members. Business decisions at Winthrop Area FCU are driven by what is in the best interests of the membership. As a credit union founded to help under-served individuals, we continue to believe that access to financial services.
Maine State Credit Union is devoted to improving our members' financial lives, not just the bottom line. From the CEO to the tellers in the lobby, we embrace this mission every day, in person, online, and over the phone. Membership means better service. That friendly greeting in the lobby is real.
At Trademark, we are committed to delivering excellent service, while providing professional financial guidance, education, and the right combination of products and services to help our Members and their families build and sustain financial security. We will seek continued growth – for the benefit of our Members.
KV Federal Credit Union is a member owned financial institution, that is based on building relationships one member at a time through a professional, courteous and genuine approach. We pride ourselves on providing outstanding quality financial products, services and technology while maintaining a financially sound institution.
