USDA Vs. FHA your options comparison in Gardiner, Kennebec County, ME
In 2025, 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.
2025 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.
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Erie Federal Credit Union is not a bank, savings and loan, or brokerage house. We are a full-service, federally insured Credit Union serving members who live, work, worship or attend school in Erie or Crawford County, Pennsylvania.
Since 1936, we have honored our mission to responsibly deliver a wide range of financial services to meet the needs
Saint Vincent Erie Federal Credit Union is a not-for-profit financial cooperative existing to serve its members. Credit Unions are less likely to charge service fees than banks. We do not issue stock or pay earnings dividends to outside stockholders like other financial institutions.
101 South Washington Street, Berkeley Springs, WV, 25411
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5175 Parkstone Drive, Suite 200, Chantilly, VA, 20151
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