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?



  • Infinity Credit Union
  • 202 Larrabee Road, Westbrook, ME, 04092
  • We believe that together, we can make your dream Real. For 100 years, serving our communities, building relationships, & welcoming new members has been at the heart of what we do. We believe kind words and good works are currencies whose value never diminishes. We are passionate about learning your story and committed to doing what’s best for you.
  • Stone Coast Mortgage
  • 367 Main St, Westbrook, ME, 04092
  • "We are committed to providing the highest level of customer service to make your transaction as smooth as possible. For over 20 years, we have been serving our community with the best in mortgage lending. Located in Westrook, Maine, Stone Coast Mortgage has been serving clients for 20+ years. Stone Coast Mortgage offers a multitude of residen
  • TruChoice Federal Credit Union
  • 272 Park Avenue, Portland, ME, 04104
  • TruChoice Federal Credit Union, a leading Maine Credit Union, offers competitive savings and loan rates and free online banking services to local members in 10 Maine counties. Credit Union, a leading Maine Credit Union, offers competitive savings and loan rates. we help you make the most of your money by taking the time to learn your story.
  • Maine Home Mortgage
  • 52 Center Street, Portland, ME, 04101
  • At Maine Home Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Select Realty Capital
  • 183 Middle Street, Suite 201, Portland, ME, 04101
  • Select Realty Capital offers financing options for all stages of real estate investment. Whether you are looking to start a new build project, fix and flip a house, or buy and hold rental properties - we have options to help with your investing needs. Our firm specializes in short term loans to real estate investors and developers.
  • Coast Line Credit Union
  • 333 Cottage Road, South Portland, ME, 04106
  • Coast Line Credit Union, originally chartered as Railroad Workers Credit Union of Maine, was organized in 1927 to serve the employees of the Maine Central Railroad Company and/or Portland Terminal Company. In 1996 the name of the credit union was changed to Coast Line Credit Union to reflect its expanded field of membership.
  • Maine Media Federal Credit Union
  • 295 Gannett Drive, South Portland, ME, 04106
  • Maine Media Federal Credit Union is committed to providing the highest level of financial service to our membership, a group comprised of media professionals and their family members. Maine Media Federal Credit Union sets itself apart from the rest with personal, friendly service - it's the foundation we're built on.
  • Town & Country Federal Credit Union Maine
  • 557 Main Street, South Portland, ME, 04106
  • At Town & Country Federal Credit Union, we pride ourselves on our superior products and outstanding member service. We consider our members to be our number one priority. If you have a suggestion, question or complaint, we hope you'll share it with us. Simply fill out the form below, and one of our associates will get back with you shortly
  • Residential Mortgage Services, Inc.
  • 24 Christopher Toppi Drive, South Portland, ME, 04106
  • Residential Mortgage Services inc. offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services – all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans
  • Acadia Lending Group
  • 10 Donald B Dean Dr, Suite, Suite 2, South Portland, ME, 04106
  • Acadia Lending Group is the largest mortgage broker in the State of Maine offering industry leading technology, a variety of lending options, low-rate mortgages, and unparalleled customer service. We've become the mortgage experts the resident of Maine depend on for all their purchase and refinance needs.
  • HOME BASE MORTGAGE GROUP
  • 780 Broadway, Unit C, South Portland, ME, 04106
  • Founded in 2017, Home Base Mortgage Group has quickly grown into one of the top mortgage companies in the state. When Home Base Mortgage Group first started out, their passion for helping people drove them to open their own Mortgage Company to provide the best possible knowledge, experience and customer service to each borrower.
  • Maine Mortgage Solutions LLC
  • 114 Holmes Rd, Scarborough, ME, 04074
  • Maine Mortgage Solutions LLC is your source for finding the right home financing option that suits your needs and budget. Whether you're a first-time homebuyer, bought and sold a hundred homes, or looking to invest we can help you. Mark Violette is the owner of Maine Mortgage Solutions LLC