USDA and FHA Pro and Con in Harpswell, Cumberland County, ME
In 2026, the USDA loan limit for Harpswell in Cumberland county, ME, is $370,700, while for a single-family home, the FHA limit is $506,000.
Lendersa® offers a USDA loan calculator to help compare today's USDA and FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in best suits your financial needs.
2026 Loan Limits and Down Payment Requirements in Harpswell, Cumberland, ME
Loan Type
Loan Limit
Down Payment
USDA
$370,700
0%
FHA
$506,000
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Harpswell, ME
Lendersa® aims to provide the best USDA or FHA loans quickly and hassle-free. Choose one of three starting points to find suitable lenders and USDA loan programs.
A USDA home loan, backed by the government through the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, a USDA mortgage requires none.
Midcoast Federal Credit Union is a not-for-profit financial cooperative, owned by our Members who are residents, relatives, or people employed by numerous businesses throughout the Midcoast Region of Maine. Midcoast Federal Credit Union serves the communities of Sagadahoc, Lincoln and Knox counties along with residents and businesses.
First Federal Savings and Loan Association of Bath
125 Front St, Bath, ME, 04530
Lends in Maine
Our mission is to provide a high level of customer satisfaction by offering a number of products and services in a friendly and relaxed environment. From current interest rates to product information, you’ll find everything you need here, at your convenience. In 1935 First Federal Savings & Loan was founded with only $2,635 in assets.
Our Mission is Delivering true convenience through extended hours, modern & traditional banking services and trusted solutions. Five County Credit Union was founded by the employees of Bath Iron Works in 1956 and was then known as the "BIW Employees Federal Credit Union". In 1993, the credit union converted to a state charter.
Bath Savings is a mutual savings bank serving Midcoast and Southern Maine for more than 165 years. We provide personal and commercial banking and investment solutions paired with competitive rates, personal service, and online banking technology that put you in control of your finances.
We are committed to providing our clients with the highest quality financial services. A member of the Corey Scott Team will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan
Cumberland County Federal Credit Union (CCFCU) is the 8th largest credit union in Maine, locally operated and member-owned, and offering a full range of financial services. Headquartered in Falmouth, ME, CCFCU currently has a Contact Center and five branch locations – Portland, Westbrook, Gray, Windham and Yarmouth.
Constant is transforming the business of getting America’s $14.6 trillion household debt repaid by automating manual loan management tasks and empowering borrowers to self-serve. We modernize loan servicing with interactive, digital solutions so borrowers can better understand, manage and pay back their debts.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Carriage House Mortgage seeks to create excellence within the real estate community. It is our goal to provide sensible, prudent and expert lending services to each one of our clients. We will ensure that we provide only the most appropriate lending products. Our goal is to provide our customers with fair mortgage rates at reasonable prices.
