In 2026, the USDA loan limit in Houlton, within Aroostook county, ME is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to assess today's best rates between USDA and FHA, determining the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to assist you in selecting the best program in for your financial circumstances.
Loan Limits and Down Payment Requirements for 2026 in Houlton, Aroostook, ME
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Houlton, ME
Lendersa® aims to swiftly connect you to the best USDA or FHA loan options, with minimal hassle. Choose from three starting paths to find lenders and matching USDA loan programs.
A USDA home loan, guaranteed by the government through the Department of Agriculture, also called a USDA rural development loan or mortgage, is available only in rural areas. It differs from FHA loans, which require at least a 3.5% down payment, as USDA loans require none.
Katahdin Trust is built on our heritage of commitment to the growth of the communities we serve.
In our role as a true community bank, Katahdin Trust and its employees have long been recognized for our commitment to giving back to the communities that we serve. We are very proud that our commitment to communities is so extensive.
Eastmill Federal Credit Union has come a long way since its first organizational meeting on May 13, 1954. Credit Unions are unique in the financial world as not-for-profit institutions. Members own and direct the credit union. These members are dedicated to the credit union motto, “Not for charity, not for profit, but for service.
Katahdin Federal Credit Union was originally chartered sixty years ago, in 1954, as a single employer credit union for Great Northern Paper. Since that time, KFCU has expanded from a single sponsor credit union to a community based institution serving Penobscot and Piscataquis Counties and parts of southern Aroostook County.
Aroostook County Federal Savings and Loan Association
43 High St, Caribou, ME, 04736
Lends in Maine
At Aroostook Savings & Loan, Your Home Bank. Since 1936, we have been dedicated to serving the people of Aroostook County & our members, who own our mutual Association. The decision to start the mutual savings association was easy at the time. During the depression, people were having a hard time to acquire the financing they needed to buy
County Federal Credit Union, we promise you; to work in your best interest, simplify your financial life, make it easy to do business with us, and partner with you to achieve financial success. Our asset size is over $411 million, and we are one of the top 10 credit unions in the State of Maine.
Lincoln Maine Federal Credit Union is a non-profit cooperative where members pool their financial assets to provide funds for loans and other financial services available to members only. The universal philosophy of the credit union movement is: Not for Profit — Not for Charity — But for Service.
Downeast Credit Union was founded in 1941 by employees of St. Croix Pulp and Paper Company. Since then, DECU has grown to over 20, 000 members sharing the common bond with those who live, work, worship, attend school, or conduct business in Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties.
We love helping our members succeed financially. Acadia Federal Credit Union is an innovative, member-owned institution that's been investing in local communities since 1963. Acadia Federal Credit Union – Providing quality services, maintaining financial stability, and investing in our local communities.
NorState Federal Credit Union has been a part of local communities and helping our members, financially succeed, since 1941. As a member-owned, not-for-profit cooperative, NorState Federal Credit Union invites you to experience the difference of a locally-owned and operated credit union.
