FHA Loan Limits in Maine (2026)
For 2026, the FHA loan limit in most Maine counties is $541,287 for a single-family home. Maine has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Maine
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Cumberland County | $541,287 | $692,997 | $1,041,072 | Standard |
| York County | $541,287 | $692,997 | $1,041,072 | Standard |
| Penobscot County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kennebec County | $541,287 | $692,997 | $1,041,072 | Standard |
| Androscoggin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Aroostook County | $541,287 | $692,997 | $1,041,072 | Standard |
| Oxford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hancock County | $541,287 | $692,997 | $1,041,072 | Standard |
| Somerset County | $541,287 | $692,997 | $1,041,072 | Standard |
| Knox County | $541,287 | $692,997 | $1,041,072 | Standard |
| Waldo County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sagadahoc County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lincoln County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Piscataquis County | $541,287 | $692,997 | $1,041,072 | Standard |
Maine's median home price is roughly $390,000. With 3.5% down, an example FHA payment near that price is about $3,004/month including MIP, taxes, and insurance.
Buying with an FHA loan in Maine
FHA loans are popular with first-time buyers in Maine because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Maine for 2026?
- Most Maine counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Maine?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.