In 2026, the USDA loan limit for Gardiner within Kennebec county, ME is $336,500, while for a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA vs. FHA rates. Determine the needed income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator enables you to see USDA, FHA, Conforming, and VA options side by side, assisting in selecting the optimal program in that suits your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Gardiner, Kennebec, 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 Gardiner, ME
Lendersa® aims to deliver the best USDA or FHA loans swiftly and without hassle. Choose one of three starting points to connect with lenders and USDA loan programs that match your needs.
A USDA home loan, backed by the government through the Department of Agriculture, is also referred to as the USDA rural development loan or mortgage and is available exclusively in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans demand no down payment at all.
We are committed to lifelong financial relationships with our members and our communities, built on respect, integrity and trust. Gardiner Federal Credit Union is a not-for-profit financial cooperative established in 1953, we join in a time-honored tradition of providing financial services to our membership.
Monmouth Federal Credit Union, a branch of Great Falls Regional Federal Credit Union is a member owned credit union. We service members throughout Androscoggin County Monmouth, and Litchfield. We are continually working to bring new products & services to you, our members! We invest in our communities with a variety of events and fundraisers.
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.
Connected Credit Union shares profits with members as they are owners/share holders of a financial cooperative. Originally chartered in 1967 as the Maine Teachers Association Credit Union – to serve Educators throughout Maine; changing its name to Maine Education Credit Union in the mid 90’s.
Capital Area Federal Credit Union is a not for profit, member owned organization that has been proud to serve our community members for over 65 years.We have grown over time but have not forgotten who we are & those who have supported us over the years.We offer a full range of financial products & services; from share accounts to checking accounts.
Proudly serving our community with personalized, friendly service since 1957! We offer a wide variety of financial services to meet your needs. Our mission is to provide products and services that meet the needs of our members. In the fall of 1957, a group of people were called upon to create a credit union for the local parish.
