USDA VS FHA in Richmond, Sagadahoc County, ME

In 2026, the USDA loan limit for Richmond in Sagadahoc, ME, is $370,700. Meanwhile, the FHA limit for a single-family home is $506,000.

Use the Lendersa® USDA loan calculator to compare today's USDA vs. FHA rates. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program in for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Richmond, Sagadahoc, ME

Loan Type Loan Limit Down Payment
USDA $370,700 0%
FHA $506,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Richmond, ME

The goal of Lendersa® is to secure the best possible USDA or FHA loans quickly and without hassle. Choose one of three starting paths to find matching lenders and USDA loan programs suited to your needs.

  1. Submit a detailed USDA/FHA loan request
  2. Check USDA and FHA rates & terms first
  3. Explore the largest USDA loan lenders database
Lendersa USDA loan request and matching results

What is a USDA Loan in ME?

A USDA home loan is guaranteed by the government through the Department of Agriculture, also known as a USDA rural development loan or mortgage, and is designated for rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require none.

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




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  • 3690 Gulf Breeze Parkway, Gulf Breeze, FL, 32563

  • University Lending Group is to offer high-quality mortgage services to all customers. The goal is to provide customers with fair mortgage rates at reasonable prices, while keeping our customers informed and educated throughout the process. We will maintain a professional environment that is challenging, rewarding, creative, and respectful of ideas.

  • Sioux Valley Community Credit Union
  • 1120 6th Street, Sioux City, IA, 51101

  • Sioux Valley Community Credit Union has been open since 1952. The credit union has assets totaling $31 Million and provides banking services to more than 3,000 members. Sioux Valley does not support or recommend using Zelle pay or any other cash transfer app to purchase anything.

  • Siouxland Economic Development Corp.
  • 617 Pierce St, Suite 202, Sioux City, IA, 51101

  • The Siouxland Economic Development Corporation (SEDC) was incorporated in 1979 by a group of Siouxlanders in an attempt to help stimulate the tri-state region’s economy which was slumping in the face of manufacturing dislocations, particularly the Zenith plant closing in Sioux City.

  • Security National Bank
  • 601 Pierce Street, Sioux City, IA, 51101

  • Security National Bank was chartered in 1884 in Sioux City, Iowa, founded on the time-tested principles of integrity, honor, open-mindedness, efficiency, good humor, respect, duty and human connection These principles served as guideposts that enabled SNB to withstand the economic panic of the late 1800s, the Great Depression.

  • SouthWind Mortgage Inc
  • 1975 Sansburys Way, Suite 103, West Palm Beach, FL, 33411

  • Our Mortgage Professionals have combined financial experience helping Realtors, their clients, homeowners & business owners for over 35 years.President Donald Cahill, has established a professional reputation of honesty, integrity, & competence within the Morgagre Brokerage industry.Southwind Mortgage the practices can be summed up in one sentence.

  • Buccaneer Mortgage
  • 2101 Vista Pkwy, West Palm Beach, FL, 33411

  • Buccaneer Mortgage The GoodPirates Home Loans is located in West Palm Beach, Florida. Buccaneer Mortgage was formed in 2000 and is currently licensed as a Mortgage Lender in the State of Florida and a Mortgage Broker in the US Virgin Islands. Buccaneer Mortgage is a full service lender offering both residential mortgages and commercial mortgages.

  • The Lending Hub Inc
  • 2101 Vista Parkway West, Palm Beach, FL, 33411

  • The Lending Hub, Inc. is a Licensed Mortgage Broker business located in West Palm Beach, Florida. We provide Financing to Purchase or Refinance Residential & Commercial Property. Our team of Mortgage professionals have over 20 years of experience providing clients personal attention to their financing needs.

  • Union Pacific Streamliner Federal Credit Union
  • 1400 Douglas Street, MS 0040, Omaha, NE, 68179

  • Since our origin in 1937, the Union Pacific Streamliner Federal Credit Union has been serving our members, Union Pacific employees, and their families, with exceptional service and financial products.

    Union Pacific Streamliner Federal Credit Union focuses our energies on delivering the very best personal service to our members,

  • First National Bank of Omaha
  • 1620 Dodge Street, Omaha, NE, 68197

  • For a century and a half, FNBO, a subsidiary of First National of Nebraska, has set the standard for outstanding customer service coupled with some of the most innovative financial products in the industry.

    When it opened in 1857, FNBO was a local bank that served only Omaha and the surrounding communities.

  • Beauchamp Mortgage LLC
  • 115 South C Street, unit 101, Lake Worth Beach, FL, 33406

  • Beauchamp Mortgages your Cross Border loan originator for Investments! We are also licensed in the state of Florida and Texas for residential mortgages and help many clients with purchases, re-finances , single family, multi-family and fix and flip. Our team of loan officers and processors have extensive experience helping you with your goals of o

  • Gold Coast Federal Credit Union
  • 2226 S Congress Ave, West Palm Beach, FL, 33406

  • Gold Coast FCU was formed on January 11, 1936, as the Palm Beach County Teachers Federal Credit Union. The new credit union was located at Twin Lakes High School in West Palm Beach and volunteers ran the credit union on a part-time basis. The only services offered were payroll-deducted savings accounts and small loans.

  • First Choice Credit Union
  • 1055 S. Congress Avenue, West Palm Beach, FL, 33406

  • First Choice Credit Union was organized in 1929 as a non-profit financial cooperative. The philosophy of "people helping people" has guided us throughout the years.It is our goal and commitment to provide the best possible service to our membership. We do this by offering a wide array of services designed to meet the financial needs of our members
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