USDA Vs. FHA Pro and Con comparison in Wells, York County, ME

In 2025, USDA loan limit in Wells, county of York, ME is $370,700 while FHA limit is $506,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Wells, county of York, 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 in Wells, ME

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Maine?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Evolution Mortgage Inc
  • 140 Adams Avenue, Suite A5, Hauppauge, NY, 11788
  • Our team is local to Long Island, and as CPA’s we make sure we get you the loan product that makes the most financial sense for you. We curate a process that is tailored to you and explain where every cent of your money goes because we always do the right thing by our clients. Take advantage of our historically low rates, refinance.
  • Coltrain Funding Group LLC
  • 140 Fell Court, Suite 101, Hauppauge, NY, 11788
  • Coltrain Funding Group LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Home Reliance Capital
  • 145 Marcus Blvd Suite 4, Hauppauge, NY, 11788
  • Our mortgage rates have consistently been some of the most competitive in New York, if not the lowest. Our success is based upon our strong level of commitment to our clients. We take the time to get to know you through personal attention and communication.We remember that we work for YOU, not the other way around.
  • RCG Mortgage
  • 490 Wheeler Rd, Suite 252, Hauppauge, NY, 11788
  • Mortgage broker based in Long Island, New York who prides themselves on their transparency, accountability, and ability to provide a "Nordstrom" experience with the efficiency of a "Ford" assembly line. RCG works with all clients, no matter what their financial goals may be.RCG Mortgage is your online resource for personalized mortgage solutions.
  • National Business Capital
  • 1 Corporate Drive, Suite 202, Bohemia, NY, 11716
  • National Business Capital is the leading FinTech marketplace offering small business loans and services. We've secured over $1 billion in financing for small business owners to date. Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans.
  • SouthFork Funding
  • 2000 Arctic Avenue, Bohemia, NY, 11716
  • SouthFork Funding offer a variety of loans for both homeowners and future homeowners. With over 3 billion in loans originated, customer satisfaction is our top priority. Together, we work hard to be leaders in the industry, to stand out from the competition, securing loans when others cannot. Southfork Funding can close loans in 30 days or less
  • Infinity Commercial Lending
  • 10 Hillcrest Lane, Old Greenwich, CT, 06870
  • Infinity Commercial Lending is positioned to put businesses of all sizes in touch with the financial solutions they need to manage their next expansion, smooth out cash flow issues, or gain the capital they need to start operations smoothly. With both traditional business loans and new, innovative solutions.
  • Brisco Funding LLC
  • One South Greeley Ave Suite 1b, Chappaqua, NY, 10514
  • Brisco Funding, LLC is located in Chappaqua, NY, United States and is part of the Mortgage Banking Industry. Brisco Funding, LLC has 1 total employees across all of its locations and generates $165,887 in sales (USD).Brisco Funding is a Private Lending company specializing in single-family and multi-family rehab lending.
  • POM (Peace Of Mind) Capital & Funding Services
  • 22 Harbor Circle, Centerport, NY, 11721
  • At POM (Peace Of Mind) Capital & Funding Services, we generously offer commercial finance solutions to all types of businesses. It doesn’t matter to us if you’ve already been turned down by another lender. We have reasonable qualification criteria that make it easy for most small businesses to qualify. We also have many different financial products