USDA Vs. FHA Pro and Con comparison in Wilton, Franklin County, ME

In 2025, the USDA loan limit in Wilton, Franklin, ME is $336,500. For a single-family home, the FHA limit is $472,030.

Access Lendersa® USDA loan calculator to assess today's USDA vs. FHA rates. It helps determine income, credit, reserves, and documents needed for qualification. Our calculator shows USDA, FHA, Conforming, and VA options side by side to aid you in selecting the best program in for your financial situation.

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2025 Loan Limits and Downpayment Requirements in Wilton, Franklin, ME

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

USDA and FHA Loan Options in Wilton, ME

Lendersa® aims to secure you optimal USDA or FHA loans quickly and without hassle. Choose one of three pathways to find matching lenders and USDA loan programs.

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, is also known as a USDA rural development loan or mortgage, and is available only in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans require none.

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



  • Brandywine Lending, Inc.
  • 415 Anvil Drive, Kennett Square, PA, 19348
  • Brandywine Lending, Inc, a full-service mortgage broker specializing in residential and refinance loans. A mortgage broker means we shop from our extensive list of lenders for the best product and pricing for your specific situation. What it does NOT mean… extra cost! Brandywine Lending offers a wide range of mortgage
  • Franklin Bank
  • 1179 Route 40, Pilesgrove, NJ, 08098
  • In 1861, a group of thoughtful citizens met quietly forming Salem's first permanent "Building Association." Plans progressed smoothly & the meeting took place the evening of the same day President Lincoln was inaugurated. A certificate of incorporation for "The Franklin Loan & Building Association of Salem, NJ" was drawn up on April 13, 1861.
  • Lockport Schools Federal Credit Union
  • 360 S Transit Street, Lockport, NY, 14094
  • Lockport Schools Federal Credit Union, chartered in 1966, is a member-owned, not-for-profit organization whose objective is to meet the financial needs of our members through professional, courteous service with a personal touch. We take great pride in helping our members get the best value for their dollar.
  • Cornerstone Community FCU
  • 6485 S Transit Road, Lockport, NY, 14094
  • Cornerstone is a credit union/financial cooperative that has been serving Western New York since 1957. We began as Unit No. 1 Federal Credit Union, serving the employees of Harrison Radiator Division of General Motors. Anyone who lives, works, worships, goes to school or volunteers in Niagara or Erie County can join our credit union.
  • WBG Commercial Lending
  • 488 Montchanin Rd, Montchanin, DE, 19710
  • WBG Commercial Lending specializes in Commercial Mortgage loans for commercial real estate including owner occupied and investment properties we offer loans of all types. WBG Commercial Lending provides commercial real estate loan solutions in Delaware, Pennsylvania, Maryland, Ohio, New Jersey ,New York and most other states.
  • Wilmington Police and Fire Federal Credit Union
  • 1701 Shallcross Avenue, Suite B, Wilmington, DE, 19806
  • The Wilmington Police & Fire Federal Credit Union is member-owned and directed organization dedicated to providing financial services to its members. We aspire to be your primary financial institution, providing an array of lifetime financial services to you & your family. We will provide efficient and accurate services in a cost justified manner.
  • Grant Payday Loans
  • 24A Trolley Square, Unit 4048, Wilmington, DE, 19806
  • Ever wanted to get a loan without heading to the other end of the city? Without crowds, anxiety, all the trouble? We wanted that too. That’s why we came up with grantloans.net, a friendly corner of the Internet where you can submit a loan for free. We are happy to introduce a platform that works entirely for customers’ convenience.
  • WSFS Bank
  • 500 Delaware Avenue, Wilmington, DE, 19801
  • WSFS Bank is the largest and longest-standing community bank in the Greater Delaware Valley. We serve Customers from 89 banking offices in Delaware, the City of Philadelphia and southeastern Pennsylvania, southern New Jersey, Virginia and Nevada. WSFS Bank provides comprehensive financial services.