FHA Loan Limits in Waldo County, Maine (2026)
Waldo County and the rest of Waldo County, Maine fall under a 2026 one-unit FHA limit of $541,287. 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 |
These 2026 limits apply throughout Waldo County, from Waldo County outward, and sit alongside the limits set for neighboring Cumberland and York Counties.
How much home can you afford in Waldo County?
An FHA buyer near Waldo County faces an estimated $445,000 median, a $15,575 down payment, and — after Maine's 1.24% property tax — a monthly cost around $3,464. That suits household income of roughly $134,000, above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in Waldo County
Whether you are buying in Waldo County or a smaller Waldo 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 — $320,000 | $11,200 | $2,523 |
| Local median — $445,000 | $15,575 | $3,464 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near Waldo County too — get notified.
In Waldo County and the surrounding Waldo County market, FHA's appeal is the math: $15,575 down on a $445,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Waldo County
Investors and house-hackers in Waldo County and across Waldo 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.
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Frequently Asked Questions
- What is the FHA loan limit in Waldo County for 2026?
- In Waldo County (Waldo 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 Waldo County with FHA?
- For a median-priced ($445,000) Waldo County home, plan on income around $134,000 at a 31% housing ratio — about $3,464/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Waldo County?
- 3.5% with a 580+ score — roughly $15,575 on a $445,000 Waldo County-area home. Gift funds are allowed.
- Is Waldo County a high-cost FHA area?
- No — Waldo County uses the $541,287 national floor for one unit.