USDA Vs. FHA your options comparison in Old-Orchard-Beach, York County, ME
In 2026, the USDA loan limit for Old-Orchard-Beach, located in York county of ME, is $322,900. Meanwhile, the FHA limit for a single-family home is $403,650.
Use the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA and determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options, assisting you in finding the best program for your financial needs, especially if you're in Alabama.
2026 Loan Limits and Downpayment Requirements in Old-Orchard-Beach, County of York, ME
Loan Type
Loan Limit
Down Payment
USDA
$322,900
0%
FHA
$403,650
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Old-Orchard-Beach, ME
Lendersa® aims to swiftly secure the best USDA or FHA loan for you, without hassle. Choose one of three different starting points to connect with lenders and explore suitable USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment.
Saco Valley is a not-for-profit, member-owned financial cooperative. Our mission is to provide quality financial services to our members in a personal, friendly and efficient manner, while maintaining financial stability. As a democratic member-owned financial institution, we exist to serve our members.
Saco & Biddeford Savings is a mutual savings bank with the commitment to offer its customers the best rates and lowest fees possible. Maine’s Oldest Bank has maintained an incredible record of support to the communities in its service area and beyond. Saco & Biddeford Savings actively assists many local clubs, groups, and non-profit organizations
Our mission statement is rather simple: Offer competitive rates and close loans as quickly as possible. We specialize in residential lending and work with over 20 different banks and mortgage companies. As a result, we are able to shop each lender for the lowest rates and best programs available.
J.D. Stewart Financial is your local, one-stop, financial planning service agency. Finances can be complex. We believe the proficiency an individual needs is best provided by an independent agent --someone with the integrity and professionalism to take the time to learn about your specific needs
Founded in 1963, PeoplesChoice Credit Union is a leading Maine credit union proudly serving over 17,000 members and managing $180 million in assets. Membership eligibility includes anyone who lives, works or attends school in York and Cumberland County, and the immediate family of PeoplesChoice members
Atlantic Federal Credit Union serves Southern Maine in Biddeford, Brunswick, Cumberland, Freeport, Sanford, Saco, Topsham, and York. With Atlantic Kasasa Free Checking, along with great Auto Loan and Mortgage rates Atlantic believes that better rates can lead to a better future and a better life.
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
Blue Stripe Mortgage is a family business that is locally owned and operated in Scarborough, Maine. We have been helping clients throughout the entire state of Maine with their mortgage needs since 2005. Whether you are purchasing a new home, or refinancing your current home, we will guide you through every step of the mortgage process with ease.
383 US Route One, Suite 1F, Scarborough, ME, 04074
Lends in Maine
"Assured Mortgage Solutions is a well established local Mortgage Company with over 25 years of combined experience in the industry.
Since 2008, the two experienced Mortgage Professionals that created Assured Mortgage Solutions, have helped many Maine families achieve mortgage financing through our use of nationwide and local resources."
