USDA Vs. FHA Pro and Con comparison 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.

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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?



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  • Iron Workers Federal Credit Union
  • 2201 Liberty Avenue, Room 201, Pittsburgh, PA, 15222
  • At the Iron Workers Federal Credit Union, we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guideline 2.0. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services.
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  • ACBA FCU was established in 1939 as a savings and lending institution that offers financial services to the Department of Public Welfare workers and their family members in Allegheny County, PA. For the past 70 years, our philosophy has been: real service to real folks who want fair dividends for their savings and access to lending services.
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  • 2021 Centre Avenue, Pittsburgh, PA, 15219
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