USDA Vs. FHA Pro and Con comparison in Oxford, Oxford County, ME
In 2026, the USDA loan limit in Oxford, Oxford county, ME is $336,500, whereas the FHA limit for a single-family home is $472,030.
Use Lendersa® USDA loan calculator to compare today’s USDA versus FHA rates and determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting in the decision of which program in fits best with your financial circumstances.
2026 Loan Limits and Downpayment Requirements in Oxford, Oxford, 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 Oxford, ME
The aim of Lendersa® is to quickly connect you with the most suitable USDA or FHA loans, without inconvenience. Choose one of three starting paths that lead to matching lenders and appropriate USDA loan programs.
A USDA home loan is guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or mortgage. It is available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans have no down payment requirement.
Norway Savings Bank is a leading mutual banking and financial services company headquartered in Norway, Maine. The bank was founded in 1866 with a commitment to personal values, community values and financial values that have never faltered. The mission of Norway Savings Bank is to promote the long-term financial growth and success of our customers
Dirigo Federal Credit Union services members in the greater Lewiston/Auburn area including Mechanic Falls & South Paris and has for over 60 years! Dirigo FCU proudly serves the counties of Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York.
East Coast Mortgage Group is a mortgage broker that is located in Auburn, Maine that offers the best rates, terms and fast closings throughout the State of Maine. Since 2007, East Coast Mortgage Group has been a mortgage company that has excelled to meet the needs of Maine communities within Lewiston, ME, Auburn, ME and Portland
T&M Commercial Funding provides equity based lending on all property types. We cater to Investors, brokers, Corporations and sub-prime money borrowers who do not meet the stringent requirements set forth by conventional lenders and banks. Our excellent reputation as a Direct Hard Money Lender has been built on our ability to provide fast financing
Community Credit Union has been serving our members & the community since 1945 and hopes you will give us the opportunity to serve you. We also believe strongly in giving back to our community. After all, Community is our name. Board Members, Management and employees of Community Credit Union are personally involved by serving on community boards.
Milestones Federal Credit Union (formerly known as Lewiston Municipal Federal Credit Union) has been open since 1944. We have amazing low rates, and higher rates for certificates. The credit union has assets totaling $30.13 Million and provides banking services to more than 2, 000 members.
Maine Family Federal Credit Union offers home loans, car loans, VISA Cards, free checking, online banking and much more! Whatever you need check with Maine Family Federal Credit Union offers home loans, car loans, VISA Cards, free checking, online banking and much more! Whatever you need check with us first. Experience the Feeling of Family.
Lewiston Municipal Federal Credit Union Not-for-profit, member owned cooperative providing financial services to the employees and their family members of the Cities of Lewiston and Auburn Maine, including City Hall, Public Works, Schools, Housing Authority, Fire Department, Police Department, Library, etc.
The LISBON COMMUNITY FEDERAL CREDIT UNION is a not for profit, full service financial institution owned by and operated for our Members. The LCFCU was founded in 1959 to serve those who reside or work in the Lisbon, Lisbon Falls and Durham areas. Since that time, this federally chartered, federally insured Credit Union has grown steadily.
