FHA Loan Limits in Sagadahoc County, Maine (2026)
From Sagadahoc County, FHA buyers in Sagadahoc 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 |
Every community in Sagadahoc County — Sagadahoc County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cumberland and York Counties.
What can you buy with FHA in Sagadahoc County?
With Sagadahoc County's median sale price estimated near $396,000 (think Sagadahoc County), the FHA down payment is roughly $13,860. Factoring Maine property taxes near 1.24%, expect about $3,095 monthly, pointing to income near $120,000 — above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in Sagadahoc County
Whether you are buying in Sagadahoc County or a smaller Sagadahoc County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $285,000 | $9,975 | $2,260 |
| Local median — $396,000 | $13,860 | $3,095 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near Sagadahoc County too — get notified.
Buyers across Sagadahoc County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,860 down payment near Sagadahoc County into little out of pocket.
Multi-unit FHA limits in Sagadahoc County
Investors and house-hackers in Sagadahoc County and across Sagadahoc County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
Your Free FHA Early-Warning System
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Sagadahoc County for 2026?
- In Sagadahoc County (Sagadahoc 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 Sagadahoc County with FHA?
- For a median-priced ($396,000) Sagadahoc County home, plan on income around $120,000 at a 31% housing ratio — about $3,095/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sagadahoc County?
- 3.5% with a 580+ score — roughly $13,860 on a $396,000 Sagadahoc County-area home. Gift funds are allowed.
- Is Sagadahoc County a high-cost FHA area?
- No — Sagadahoc County uses the $541,287 national floor for one unit.