USDA VS FHA in Jay, Franklin County, ME

In 2025, the USDA loan limit for Jay in Franklin, ME is $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA rates and identify the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you select the program in that best matches your financial needs.

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2025 Loan Limits and Down Payment Requirements in Jay, Franklin, 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 Jay, ME

The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loan options, without hassle. Choose from three different starting paths to find lenders and matching USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in ME

A USDA home loan, backed by the government through the Department of Agriculture, is also called a USDA rural development loan or mortgage, and is available exclusively in rural neighborhoods. Whereas FHA loans require a minimum 3.5% down payment, USDA loans do not require any down payment.

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



  • Heritage Federal Credit Union
  • 700 Regis Avenue, Pittsburgh, PA, 15236
  • Heritage Federal Credit Union America was still recovering from the effects of the Great Depression. Credit union organizers all over the country had been working for more than a dozen years to spread the word to average workers that they could take more control of their financial lives by forming a credit union.
  • Pittsburgh Firefighters FCU
  • 500 South Main Street, Pittsburgh, PA, 15220
  • Pittsburgh Fireman's FCU opened its doors to all City Of Pittsburgh Firefighters & their families. On April 11, 1988 the credit union was granted permission from the NCUA to change its name to the Pittsburgh Firefighters' FCU. On June 28, 2018, the credit union was approved to accept 17 new VFD & EMS companies located within Allegheny County.
  • National Credit Union Administration
  • 1338 Chartiers Avenue, Pittsburgh, PA, 15220
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  • Advocate Mortgage Services Inc
  • 950 Greentree Road, Suite 202, Pittsburgh, PA, 15220
  • We offer the assistance you need to help in all your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process. Keith L. Eliou is an attorney and owner of A La Carte Real Estate Co, Advocate Mortgage Services Inc.
  • BVA Federal Credit Union
  • 608 Rostraver Road, Belle Vernon, PA, 15012
  • BVA Federal Credit Union’s main objective is to provide outstanding financial services to its members. The credit union was chartered in 1966 as Rostraver Federal Credit Union. In 1969 the charter name was changed to Belle Vernon School Employees Federal Credit Union. The name changed again in 1999 to BVA Federal Credit Union
  • New Alliance FCU
  • 835 Merchant Street, Ambridge, PA, 15003
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  • Blackhawk Federal Credit Union
  • 2358 Darlington Road, Beaver Falls, PA, 15010
  • Blackhawk Federal Credit Union is now offering an app to help you track your spending and manage your debit cards from your mobile device! This app has many capabilities, including the option of turning your debit card on and off! Imagine resting easy knowing your card isn’t going to be used fraudulently!
  • Beaver Valley Federal Credit Union.
  • 601 37th Street, Beaver Falls, PA, 15010
  • Our history of ""people helping people"" can be traced to January 2, 1942 - with the chartering of Beaver Valley Federal Credit Union (then B&W Employees Federal Credit Union). At that time membership was opened to those employed in the local plants of the Babcock & Wilcox Tubular Products Group and to their immediate families.
  • Premier Mortgage and Home Equity LLC
  • 2558 Darlington Road, Beaver Falls, PA, 15010
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  • Mahoning Valley Federal Credit Union
  • 15 Colonial Drive, Suite 14, Youngstown, OH, 44505
  • Mahoning Valley Federal Credit Union is committed to providing friendly accurate prompt & professional financial services to all our members. It is our responsibility to provide these benefits to our members & maintain adequate capital reserves. We will promote an atmosphere in which our employees are stimulated to achieve outstanding performances
  • DOY Federal Credit Union
  • 1500 Gypsy Lane, Youngstown, OH, 44505
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  • 4319 Belmont Ave, Youngstown, OH, 44505
  • Valley Economic Development Partners is a private, non-profit organization focused on the social well-being of the Mahoning Valley and its surrounding regions. Our mission is to be a leader in developing employment opportunities through business creation, expansion, and retention in collaboration with other regional organizations.