USDA and FHA Pro and Con in Wells, York County, ME
In 2026, the USDA loan cap for Wells in York county, ME is $370,700, while the FHA limit for a single-family residence is $506,000.
Leverage Lendersa® USDA loan calculator to evaluate today’s top USDA versus FHA rates. Discover the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most suitable program in for your financial scenario.
2026 Loan Limits and Down Payment Requirements in Wells, York county, ME
Type of Loan
Loan Maximum
Down Payment
USDA
$370,700
0%
FHA
$506,000
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Solutions in Wells, ME
The aim of Lendersa® is to secure the best USDA or FHA mortgage quickly and without difficulty. Choose from three starting avenues to align with lenders and USDA loan schemes.
A USDA loan, secured by the U.S. Department of Agriculture, is also called a USDA rural development loan or USDA mortgage and is valid in rural areas only. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans need no down payment at all.
37 Western Avenue, Suite 308, Kennebunk, ME, 04043
Lends in Maine
Big Horizon mortgage professionals deliver the market’s best programs and competitive rates from trusted institutions. Customers benefit from a wide variety of offerings. Independent relationships with leading national and local lending institutions allow Big Horizon to tailor solutions to individual needs.
On July 22, 1867, Biddeford Savings received its initial bank charter by an act of the Maine Legislature. From those earliest days we have focused on a few simple ideals — treating our customers like family and developing a deep and meaningful relationship with our local community and neighbors
Partners Bank, formerly SIS Bank, was founded in 1933 and is headquartered in Sanford, Maine, with additional branch locations in Springvale, South Sanford, Limerick, Buxton, Waterboro, Wells and York, Maine, as well as Portsmouth and Rye, New Hampshire. Partners Bank, formerly SIS Bank, completed a rebrand in July 2019
At Kennebunk Savings, we believe that the better we get to know you, the more useful we can be. That’s why we encourage all our customers to bring us their questions, no matter how big, small, or unique. When we know what your goals are and what financial challenges you may face, we can help you.
Atlantic Federal Credit Union serves Southern Maine in Biddeford, Brunswick, Cumberland, Freeport, Sanford, Saco, Topsham, and York. With Atlantic Kasasa Free Checking, along with great Auto Loan and Mortgage rates Atlantic believes that better rates can lead to a better future and a better life.
Saco Valley is a not-for-profit, member-owned financial cooperative. Our mission is to provide quality financial services to our members in a personal, friendly and efficient manner, while maintaining financial stability. As a democratic member-owned financial institution, we exist to serve our members.
Saco & Biddeford Savings is a mutual savings bank with the commitment to offer its customers the best rates and lowest fees possible. Maine’s Oldest Bank has maintained an incredible record of support to the communities in its service area and beyond. Saco & Biddeford Savings actively assists many local clubs, groups, and non-profit organizations
Our mission statement is rather simple: Offer competitive rates and close loans as quickly as possible. We specialize in residential lending and work with over 20 different banks and mortgage companies. As a result, we are able to shop each lender for the lowest rates and best programs available.
