USDA Loans in Sagadahoc County, Maine
Nearly every town in Sagadahoc County qualifies for USDA $0 down financing. Here's your complete guide to USDA Rural Development loans in Sagadahoc County for 2026 — eligible towns, income limits, and how to qualify.
About Sagadahoc County
Home to Bath Iron Works (one of Maine's largest employers) and the Kennebec River estuary. Small but coastally scenic, including Georgetown and Phippsburg on the peninsulas.
Strong commuter base into Bath Iron Works, Brunswick Landing, and Portland. Topsham is especially popular with BIW and Bowdoin College employees.
USDA eligibility in Sagadahoc County
Downtown Bath is excluded. Surrounding towns — Topsham, Woolwich, Richmond, Phippsburg, Georgetown, Bowdoinham, and Bowdoin — are generally USDA-eligible.
Notable towns that commonly qualify
Bath, Brunswick (part), Topsham, Richmond, Bowdoinham, Bowdoin, Woolwich, Phippsburg, Georgetown, Arrowsic.
Portland metro bonus: Because Sagadahoc County is part of the Portland-South Portland-Biddeford metropolitan statistical area, USDA uses a higher income limit here than in most of Maine — $128,650 for a 1–4 person household and $169,800 for 5–8 people. If your household is near the standard cap, this metro boost can make the difference.
2026 USDA income limits — Sagadahoc County
Your total household income must be at or below these limits to qualify for a USDA Guaranteed loan:
| Household Size | Income Limit |
|---|---|
| 1–4 people | $128,650 |
| 5–8 people | $169,800 |
Based on 2025–2026 USDA Rural Development data. Limits are reviewed annually. USDA income limits count all adults in the household, not just applicants on the loan. Allowed deductions for dependents, childcare, and medical expenses can significantly lower your qualifying income. See the full income limits guide.
Home prices in Sagadahoc County
Sagadahoc is one of three Maine counties with higher USDA income limits because it's part of the Portland metro area — 1–4 person cap is $128,650.
What a USDA loan looks like in Sagadahoc County
- $0 down payment — 100% financing on an eligible Sagadahoc County home
- 0.35% annual mortgage insurance — less than half of FHA's 0.85%
- Seller concessions up to 6% — closing costs can often be covered entirely by the seller in this market
- Credit score 620+ typically required; some lenders flex to 580 with compensating factors
- Primary residence only — no investment properties or second homes
Is your Sagadahoc County target property eligible?
I'll run your specific address through the USDA eligibility check and walk you through what a $0 down loan looks like on that house.
Check My Eligibility →Frequently asked questions
Is my town in Sagadahoc County USDA-eligible?
Most of Sagadahoc County qualifies. The definitive check is USDA's official map at eligibility.sc.egov.usda.gov — enter the specific property address. Or send me the address and I'll check for you.
What's the difference between USDA and FHA in Sagadahoc County?
USDA beats FHA on monthly cost almost every time when both are available — no down payment (vs. 3.5%) and much lower mortgage insurance. See the full USDA vs. FHA comparison.
How long does a USDA loan take to close in Sagadahoc County?
Typically 30–45 days from signed purchase agreement. Slightly longer than FHA or conventional because USDA adds its own final approval step after the lender approves the file.