USDA VS FHA in Madison, Somerset County, ME

In 2025, the USDA loan limit for Madison, Somerset county, ME is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize Lendersa® USDA loan calculator to compare today's USDA vs. FHA rates, and to determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, aiding your decision on the best program in for your financial situation.

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2025 Loan Limits and Downpayment Requirements in Madison, Somerset, 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 Madison, ME

Lendersa® strives to connect you with optimal USDA or FHA loans swiftly and effortlessly. Begin with one of three available paths to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in ME?

A USDA home loan, backed by the government Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is reserved for rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • Patriot NTNL Mortgage Corporation
  • 260 Merrimac Court, Prince Frederick, MD, 20678
  • Patriot NTNL Mortgage Corporation began its journey as a Mortgage Broker and Home Improvement Finance Company in June 1993 and has successfully served thousands of customers in the Maryland, Virginia, and Washington DC areas. Patriot NTNL Mortgage Corporation has always had the belief that our customer is top priority.
  • Intrepid Private Capital Group/John Callender
  • 135 W Dares Beach Rd Prince, Frederick, MD, 20678
  • The Intrepid Private Capital Group is a leader in providing business funding solutions. We screen Projects for a remarkable number of private funding sources around the world, principally: offshore money management groups, very large trusts, funds, pension plans and several boutique investment groups,
  • Your Mortgage Genie LLC
  • 13205 Sunfield Terrace, Fort Washington, MD, 20744
  • We are a full-service mortgage company for first-time homebuyers servicing MD, Washington DC, VA, and FL. We specialize in Residential Real Estate Loans with options to UNLOCK YOUR DREAMS.What makes Your Mortgage Genie unique is we strive to meet individual goals by offering customized products and investment tools to service your individual goal
  • Potomac Trust Mortgage Company LLC
  • 10009 Indian Queen Point Road, Fort Washington, MD, 20744
  • Potomac Trust Mortgage we are committed to providing customers with the best service and rates available. We are a local company who’s professional staff goes above and beyond to assist our clients with the entire loan process. Our goal is to make the loan process as simple and stress-free as possible.
  • Hometown Bank of Pennsylvania
  • 638 East Pitt Street, Bedford, PA, 15522
  • The dream of starting a locally owned and managed full service community financial institution began in 2006 when a group of Bedford county business leaders formed an organizing group. Included in the group were Don DeArment of Friends Cove Mutual Insurance, Barry Ressler of Ressler, Inc.
  • Healthcare Systems Federal Credit Union
  • 3300 Gallows Road, Falls Church, VA, 22042
  • We are Healthcare Systems Federal Credit Union. The term “credit union” can be confusing, so here's a little bit more about what we are and what we believe. We have the same financial services as a bank, with a few major differences; Our members own this financial institution; banks are owned by their stockholders.
  • John Marshall Bank
  • 1943 Isaac Newton Square East, Suite 100, Reston, VA, 20190
  • JMB is a commercial-focused community bank serving businesses and consumers in Northern VA, Maryland, and DC. Our presence is found in the businesses that fuel the local economy. We’re in the background, championing nonprofits and helping them drive their mission forward. But what truly sets us apart is our team.
  • Guidance Residential
  • 11107 Sunset Hills Road, Suite 200, Reston, VA, 20190
  • Guidance Residential specializes in Shariah-compliant home financing in the U.S. Our unique Declining Balance Co-ownership Program was created under the guidance of 7 globally renowned Shariah scholars & 18 U.S. law firms to ensure it meets strict adherence to legal jurisprudence of Islamic faith & conforms to U.S. legal & regulatory requirements.
  • Mortgage X Home Loans
  • 1984 Isaac Newton Square W, Suite 304, Reston, VA, 20190
  • Mortgage X Home Loans As the Mortgage Lending has evolved so have we. Mortgage regulations and guidelines are constantly changing. We are on top of the information wave. Great rates, low cost and customer satisfaction is standard business based on our model. We strive to provide more.Established in 2002.
  • The Lyons Group Inc
  • 407 Victoria Court NW, Vienna, VA, 22180
  • A mortgage broker with over three decades of industry experience, Jonathan Lyons founded the Lyons Group Inc in 1991 with the goal of providing honest and direct financial assessments for clients in the Washington metropolitan area. Whether purchasing a home, refinancing for a lower rate or tapping home equity
  • Integrant, Inc.
  • 226 W. Maple Avenue, Suite 402, Vienna, VA, 22180
  • We are a specialty mortgage boutique offering customized lending solutions to clients in DC, MD, and VA. Headquartered in downtown Vienna, VA, our firm serves a diverse and loyal customer base. Our differentiated service allows us the unique opportunity to optimize our clients’ present borrowing capacities for an advantageous financial future.