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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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