USDA Vs. FHA Pro and Con comparison in Topsham, Sagadahoc County, ME
As of 2026, in Topsham, located in the county of Sagadahoc within ME, the USDA loan limit stands at $370,700. In contrast, for a single-family residence, the FHA loan limit is $506,000.
Utilize the Lendersa® USDA loan calculator to compare the most competitive rates between USDA and FHA loans today. This tool assists in identifying the necessary income, credit score, reserves, and documentation for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most suitable program in for your unique financial needs.
2026 Loan Limits and Down Payment Requirements in Topsham, 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 Available in Topsham, ME
Lendersa® is dedicated to securing the most advantageous USDA or FHA loan swiftly and effortlessly for you. You can choose from three initial approaches, which guide you to matched lenders and USDA loan programs.
A USDA home loan, backed by the government through the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and it is exclusively for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage loan requires no down payment at all.
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.
Midcoast Federal Credit Union is a not-for-profit financial cooperative, owned by our Members who are residents, relatives, or people employed by numerous businesses throughout the Midcoast Region of Maine. Midcoast Federal Credit Union serves the communities of Sagadahoc, Lincoln and Knox counties along with residents and businesses.
First Federal Savings and Loan Association of Bath
125 Front St, Bath, ME, 04530
Lends in Maine
Our mission is to provide a high level of customer satisfaction by offering a number of products and services in a friendly and relaxed environment. From current interest rates to product information, you’ll find everything you need here, at your convenience. In 1935 First Federal Savings & Loan was founded with only $2,635 in assets.
Our Mission is Delivering true convenience through extended hours, modern & traditional banking services and trusted solutions. Five County Credit Union was founded by the employees of Bath Iron Works in 1956 and was then known as the "BIW Employees Federal Credit Union". In 1993, the credit union converted to a state charter.
Bath Savings is a mutual savings bank serving Midcoast and Southern Maine for more than 165 years. We provide personal and commercial banking and investment solutions paired with competitive rates, personal service, and online banking technology that put you in control of your finances.
Proudly serving our community with personalized, friendly service since 1957! We offer a wide variety of financial services to meet your needs. Our mission is to provide products and services that meet the needs of our members. In the fall of 1957, a group of people were called upon to create a credit union for the local parish.
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.
