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?



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  • "New Direction Lending, offers our clients the highest level of customer service combined with the widest variety of competitive mortgage loan programs for your purchase or refinance needs. We make finding the perfect loan a reality. New Direction Lending specializes in helping people find the perfect loan for their needs.
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