FHA Loan Limits in Lincoln County, Maine (2026)
From Lincoln County, FHA buyers in Lincoln County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of New England.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Lincoln County to the edges of Lincoln County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cumberland and York Counties.
What can you buy with FHA in Lincoln County?
With Lincoln County's median sale price estimated near $373,000 (think Lincoln County), the FHA down payment is roughly $13,055. Factoring Maine property taxes near 1.24%, expect about $2,922 monthly, pointing to income near $113,000 — above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in Lincoln County
Here is what an FHA payment looks like at three Lincoln County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $269,000 | $9,415 | $2,140 |
| Local median — $373,000 | $13,055 | $2,922 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near Lincoln County too — get notified.
First-time buyers make up much of FHA activity in Lincoln County and across Lincoln County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,055 needed on a median Lincoln County home.
Multi-unit FHA limits in Lincoln County
Looking at a duplex or fourplex near Lincoln County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lincoln County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Lincoln County for 2026?
- In Lincoln County (Lincoln County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Lincoln County with FHA?
- For a median-priced ($373,000) Lincoln County home, plan on income around $113,000 at a 31% housing ratio — about $2,922/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lincoln County?
- 3.5% with a 580+ score — roughly $13,055 on a $373,000 Lincoln County-area home. Gift funds are allowed.
- Is Lincoln County a high-cost FHA area?
- No — Lincoln County uses the $541,287 national floor for one unit.