In the year 2025, the USDA loan limit set for a single-family home in Waterboro, located in the county of York, ME, stands at $370,700. In comparison, the FHA loan limit is $506,000.
To compare today's optimal USDA and FHA rates, and to understand the requirements for income, credit, reserves, and documentation necessary for qualification, utilize the Lendersa® USDA loan calculator. By using this comprehensive tool, you can conveniently evaluate USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the most suitable option for your financial needs in
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| Loan Type | Maximum Loan Limit | Required Down Payment | |
| USDA | $370,700 | 0% | |
| FHA | $506,000 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The mission at Lendersa® is to efficiently secure the best USDA or FHA loans for you, without unnecessary hurdles. Choose from three starting points, which help match you with lenders and the appropriate USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the United States Department of Agriculture. This loan type is available exclusively in rural areas. Contrasting with FHA loans, which necessitate a minimum down payment of 3.5%, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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