USDA Vs. FHA your options comparison in Waterville, Kennebec County, ME
In 2025, the USDA loan limit for Waterville, in the county of Kennebec, ME, is $336,500. Concurrently, the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's premier USDA versus FHA rates. This comparison will help you ascertain the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA options, assisting you in choosing the ideal program in to suit your financial perspective.
Review 2025 loan limits and down payment criteria in Waterville, Kennebec county, ME
Loan Type
Loan Limit
Down Payment Percentage
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Diverse USDA and FHA Loan Alternatives in Waterville, ME
Lendersa® aims to secure the most favorable USDA or FHA loan for you quickly and without difficulty. Start by choosing one of the three options that align you with appropriate lenders and USDA loan plans.
A USDA home loan, secured through the government Department of Agriculture, is often referred to as either a USDA rural development loan or USDA mortgage. It is specifically available in rural areas. While FHA loans necessitate a minimum 3.5% down payment, the USDA option demands no down payment at all.
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