USDA Vs. FHA your options comparison in Holden, Penobscot County, ME

In 2025, USDA loan limit in Holden, county of Penobscot, ME is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Holden, county of Penobscot, 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 Holden, ME

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Maine?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Bankers Preferred Mortgage Inc.
  • 3020 Old Ranch Parkway, Suite 300, Seal Beach, CA, 90740
  • BPM, we work hard to get you the best mortgage rate possible, so you have more money to enjoy your home, and your life. For over 30 years we’ve been putting people in homes and helping them keep more money in their pockets. To find out how much you’d like to borrow, try our mortgage calculator
  • Benefit Mortgage Lending Group, Inc.
  • 3550 Iris Cir, Seal Beach, CA, 90740
  • At Benefit Mortgage Lending Group, Inc. We are a full-service mortgage company based in Seal Beach, CA. We specialize in Home Purchase Loans and Refinance in Seal Beach. We also serve the surrounding cities in Orange County. Whether you are buying a home or refinancing in the zip code 90740, we can help you realize your dream of homeownership
  • Stratis Financial Corporation
  • 5772 Bolsa Avenue, Suite 250, Huntington Beach, CA, 92649
  • We are "SERIOUS ABOUT SERVICE"! Our mission is to deliver the highest level of service, accountability and integrity to our customers while offering a broad portfolio of mortgage products. We'll also be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.
  • PB Lending
  • 5200 Warner Avenue, Suite 102, Huntington Beach, CA, 92649
  • We believe that every client deserves the best care and service when refinancing or purchasing the home of their dreams. We shop until we find a mortgage that meets your needs and have what it takes to make a difference. We work with multiple lenders and we are able to provide our clients with extremely competitive pricing.
  • The Mortgage Hub
  • 5882 Bolsa Avenue, Suite 250, Huntington Beach, CA, 92649
  • Our established network of real estate professionals throughout California will be able to serve your needs promptly and with a very personalized approach. Whether you are a first-time homebuyer, just starting your research, or a seasoned investor you will be treated with the same high level of distinction.
  • Ratelock Financial
  • 16892 Bolsa Chica Street, Suite 202, Huntington Beach, CA, 92649
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • California Financial and Real Estate Center Inc
  • 16531 Bolsa Chica St, Unit 300, Huntington Beach, CA, 92649
  • California Financial and Real Estate Center Inc Since 1992 we have been committed to providing our clients with the highest quality financial services possible. We will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs.
  • Nexgen Home Finance
  • 3211 Francois Dr, Huntington Beach, CA, 92649
  • Nexgen Home Finance was started in 2004 by Jason Kiffe and Leyla Sharifi. Their intent was to offer an alternative to the unethical and inexperienced advice that was growing rampant as a result of various lenders hiring without any training or mortgage education. They felt that good financial advice should come from people who not only study.
  • HISE Financial Corporation
  • 5762 Bolsa Avenue, Suite A101, Huntington Beach, CA, 92649
  • With a blend of real world credentials, our teams listen to your needs and goals to deliver exceptional mortgage and real estate services. We provide you with the resources & options so that you can make an informed decision. Our goal is to build trust and simplify the process in order to save you money when buying, selling, or financing your home.
  • Epic Development & Capital Corporation
  • 15272 Bolsa Chica St, Huntington Beach, CA, 92649
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Quest Home Loans
  • 4033 Humboldt Drive, Huntington Beach, CA, 92649
  • Quest home loan is the best mortgage rates that suit your needs and always beat the Direct Lender rates. From conventional to out of the box lending, we offer an array of products to cater to our clients' needs best mortgage rates that suit your needs and always beat the Direct Lender rates. From conventional to out of the box lending.
  • Straight deal mortgage
  • 300 PCH STE 405, Huntington Beach, CA, 92648
  • Discover home financing made easy with Straight Deal Mortgage! As a comprehensive Mortgage Brokerage, we connect you to a myriad of wholesale lenders, presenting a range of mortgage options tailored to your requirements. Rest assured, we're here to guide you in finding your ideal mortgage, ensuring you feel right at home with a trusted lender.