USDA and FHA Pro and Con in Waldoboro, Lincoln County, ME

In 2025, the USDA loan limit in Waldoboro, located in Lincoln county, ME, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.

With the Lendersa® USDA loan calculator, you can compare today's USDA versus FHA rates to discern the best offers available. It assists in determining the income, credit, reserves, and required documents to qualify. Our advanced mortgage calculator lets you view the USDA, FHA, Conforming, and VA products side by side, helping you decide which program in best fits your unique financial situation.

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Loan Limits and Down Payment Requirements for 2025 in Waldoboro, Lincoln, ME

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Waldoboro, ME

The aim of Lendersa® is to swiftly connect you with the best possible USDA or FHA loans with minimal hassle. Select one of three starting paths that lead to matching lenders and loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in ME

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

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



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  • MS Lending, LLC is a boutique mortgage brokerage lending throughout the state of Mississippi with offices in Ridgeland and Ocean Springs, Mississippi. Whether buying or refinancing, MS Lending has a wide array of options to help you meet your financial goals. Michelle Dugan has been named a Top 20 Mortgage Professional in 2020 by Yahoo! Finance,
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  • Mint Financial Group got its start back in 2010 operating out of a humble 100 square foot office in Ft. Lauderdale, FL. It was in the early years that Felipe Catano, its founder, and President, quickly learned that there was a lack of transparency and lack of consulting in the business lending space. While working with small business owners
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