USDA Vs. FHA Pro and Con comparison in Fryeburg, Oxford County, ME

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

Utilize the Lendersa® USDA loan calculator to assess today's USDA vs. FHA best rates, and determine the income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program in for your financial situation.

Compare loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Fryeburg, Oxford, 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 Fryeburg, ME

The aim of Lendersa® is to effortlessly provide you with the best USDA or FHA loans in a timely manner. Choose one of three starting paths that result in matching you with lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in ME

A USDA home loan, backed by the government Department of Agriculture, also known as a USDA rural development loan or mortgage, is designed for rural areas only. Unlike FHA loans that demand a 3.5% down payment minimum, USDA loans require none.

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



  • Laser Lending
  • 8899 S 700 E, Suite 12511075 S. State Street, Building 3, Sandy, UT, 84070
  • Laser Lending is part of the parent company Larson Real Estate Services He started his career selling new home construction in 1993. Later, he started Larson & Company Real Estate which continues to thrive today. With a desire to offer his clientele a solid mortgage option, he created Laser Lending in 2009. To round out his real estate offerings.
  • American Loans
  • 8800 S Harrison St., Sandy, UT, 84070
  • American Loans and Mortgage, we are all about creating and finding solutions for anyone and everyone who needs a loan to reach their goals. and also the best rates and programs, and get you the best loan for your particular situation. We promise to provide you with the most comprehensive communication and the lowest mortgage rates.
  • Atlas Mortgage Solutions
  • 8899 S 700 E, Suite 125, Sandy, UT, 84070
  • Atlas Mortgage Solution offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers. We are constantly striving to keep our process streamlined and user friendly. We want all borrowers involved to feel informed and cared about every step of the way.
  • South Towne Mortgage
  • 11075 S State Street, Bldg 2, Sandy, UT, 84070
  • South Towne Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
  • ALLIANCE LENDING SERVICES
  • 9730 S. 700 E, Suite 101, Sandy, UT, 84070
  • Alliance Lending Services (ALS) was founded on the belief that strategic planning and market knowledge are the foundation of the mortgage process. This belief has inspired a passion for delivering superior services that foster effective mortgage solutions. With over 20+ years of experience and knowledge in the mortgage industry.
  • Momentum Loans
  • 9490 S 300 W, Suite 100, Sandy, UT, 84070
  • Today’s hyper-competitive market requires companies to be nimble, innovative, and flexible. Our experienced leadership allows us to make decisions quickly and build a culture around these key principals: operational excellence drives value, and technology drives opportunity.We are a mortgage company that does things a little bit differently.
  • RANLife
  • 9272 South 700 East, Sandy, UT, 84070
  • RANLife is a leader in residential lending.With our in-house staff and direct lender relationships with Fannie Mae, Freddie Mac, and Ginnie Mae, we've eliminated the middleman.RANLife runs all of our operations from Sandy, Utah greater Salt Lake City metropolitan.We have in-house processors, underwriters, funders, and closers available at all times
  • Ravalli County Federal Credit Union.
  • 501 N 1st Street, Hamilton, MT, 59840
  • Ravalli County FCU was known as Ravalli County Federal Employees Credit Union Association. It was a state chartered credit union with membership restricted to employees of the Rocky Mountain Lab and the Forest Service. Over the years additional groups were allowed to join the credit union