USDA and FHA Pro and Con in Scarborough, Cumberland County, ME
In 2026, the USDA loan cap in Scarborough, Cumberland County, ME is $370,700, whereas the FHA ceiling is $506,000 for a single-family dwelling.
By using the Lendersa® USDA loan calculator, you can compare today’s USDA against FHA premium rates and evaluate the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA options side by side, assisting in determining which program in best suits your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Scarborough, Cumberland, ME
Loan Type
Loan Limit
Down Payment
USDA
$370,700
0%
FHA
$506,000
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Alternatives in Scarborough, ME
Lendersa® is dedicated to securing the best USDA or FHA loan for you quickly and with ease. Start from one of three pathways, each leading to compatible lenders and USDA loan options.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans necessitating a minimum 3.5% down payment, the USDA mortgage offers zero down payment.
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."
Coast Line Credit Union, originally chartered as Railroad Workers Credit Union of Maine, was organized in 1927 to serve the employees of the Maine Central Railroad Company and/or Portland Terminal Company. In 1996 the name of the credit union was changed to Coast Line Credit Union to reflect its expanded field of membership.
Maine Media Federal Credit Union is committed to providing the highest level of financial service to our membership, a group comprised of media professionals and their family members. Maine Media Federal Credit Union sets itself apart from the rest with personal, friendly service - it's the foundation we're built on.
At Town & Country Federal Credit Union, we pride ourselves on our superior products and outstanding member service. We consider our members to be our number one priority.
If you have a suggestion, question or complaint, we hope you'll share it with us. Simply fill out the form below, and one of our associates will get back with you shortly
24 Christopher Toppi Drive, South Portland, ME, 04106
Lends in Maine
Residential Mortgage Services inc. offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services – all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans
10 Donald B Dean Dr, Suite, Suite 2, South Portland, ME, 04106
Lends in Maine
Acadia Lending Group is the largest mortgage broker in the State of Maine offering industry leading technology, a variety of lending options, low-rate mortgages, and unparalleled customer service. We've become the mortgage experts the resident of Maine depend on for all their purchase and refinance needs.
Founded in 2017, Home Base Mortgage Group has quickly grown into one of the top mortgage companies in the state. When Home Base Mortgage Group first started out, their passion for helping people drove them to open their own Mortgage Company to provide the best possible knowledge, experience and customer service to each borrower.
