As of 2025, 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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $370,700 | 0% |
| FHA | $506,000 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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