USDA and FHA Pro and Con in Winterport, Waldo County, ME

In 2025, within Winterport, Waldo county, ME, the USDA loan limit is $336,500. The FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's USDA vs. FHA rates and determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to assist you in selecting the best program in for your financial situation.

Compare loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Winterport, Waldo, 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 Winterport, ME

Lendersa® aims to connect you with the best USDA or FHA loans quickly and without hassle. Choose one of three starting paths to find lenders and matching USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in ME

A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none.

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



  • Stonecrest Financial
  • 4675 Stevens Creek Blvd suite 235, Santa Clara, CA, 95051
  • Stonecrest Financial have underwriting committee meetings every evening and will be able to give you a quick answer on your loan request. We underwrite to combined loan-to-value, story, and exit strategy. We are the direct decision-maker for our funds, and we can close in as quickly as one week.
  • Golden Century Financial Services
  • 2185 Glenkirk Drive, San Jose, CA, 95124
  • Golden Century Financial Services As a broker and owner of the Golden Century Financial, Sam Kahlil helps clients save 15 years or more on their mortgages – amounting to tens of thousands of dollars saved on interest! Sam is up-to-date on all financial training and continuing education courses required by the industry
  • American Pacific Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.
  • Cedar Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
  • emortgages.com
  • 1425 N McDowell Blvd, Suite 209, Petaluma, CA, 94954
  • Emortgages.com is a California based mortgage broker company providing high quality loan services with web-based technology solutions at rates and costs that are consistently below the industry average. Our vision is to be the definitive mortgage broker that provides our customers with the highest level of service.
  • Redwood Empire Home Loans, Inc.
  • 1930 Primrose Drive, Petaluma, CA, 94954
  • At Redwood Empire Home Loans, Inc, 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.
  • FJM Private Mortgage Fund
  • 1372 N McDowell Blvd., Suite D, Petaluma, CA, 94954
  • First Bridge Lending specializes in providing fast and creative debt solutions for both commercial and residential property types. With over 100 combined years of lending and investing experience, the principals at First Bridge Lending understand our borrower’s needs and know how to deliver optimal financing solutions
  • FJM Private Mortgage Fund
  • 1372 N McDowell Blvd. Suite D, Petaluma, CA, 94954
  • Founded in 2012, First Bridge Lending specializes in providing fast and creative debt solutions for both commercial and residential property types. With over 100 combined years of lending and investing experience, the principals at First Bridge Lending understand our borrower’s needs and know how to deliver optimal financing solutions.
  • Just Loans
  • PO Box 53, Campbell, CA, 95009
  • Just Loans is a Real Estate broker business model has worked well for us - the proof being the referrals and repeat business we've enjoyed that have contributed to our longevity. But we're not “resting on our laurels”; we adapt to changes in the marketplace, adopt technology and procedures to meet the demands of home-owners.
  • AEZ Investment
  • 4010 Moorpark Avenue, Suite 205, San Jose, CA, 95117
  • AEZ Investment is a professional real estate brokerage company licensed by the Department of Real Estate in California. The group is headquartered in San Jose, a major town in Silicon Valley, and is mainly engaged in consulting and services related to real estate buy and sale, property management, real estate loan and refinance.
  • DCI Mortgage & Investment
  • 4100 Moorpark Ave. Suite 216, San Jose, CA, 95117
  • DCI is a Silicon Valley mortgage broker and lender. Along with competitive rates, DCI provides some of the most flexible loan terms in the industry. DCI focuses on helping people and business finance property outside of the traditional routes. We have many sources of investment and funding.