FHA Loan Limits in Washington County, Maine (2026)
In Washington County — anchored by Washington County — the 2026 FHA loan limit for a single-family home is $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 |
Every community in Washington County — Washington County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cumberland and York Counties.
Affording a home in Washington County & Washington County
An FHA buyer near Washington County faces an estimated $384,000 median, a $13,440 down payment, and — after Maine's 1.24% property tax — a monthly cost around $3,005. That suits household income of roughly $116,000, above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in Washington County
Whether you are buying in Washington County or a smaller Washington 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 — $276,000 | $9,660 | $2,193 |
| Local median — $384,000 | $13,440 | $3,005 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near Washington County too — get notified.
Buyers across Washington County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,440 down payment near Washington County into little out of pocket.
Multi-unit FHA limits in Washington County
Investors and house-hackers in Washington County and across Washington 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 Washington County for 2026?
- In Washington County (Washington 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 Washington County with FHA?
- For a median-priced ($384,000) Washington County home, plan on income around $116,000 at a 31% housing ratio — about $3,005/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Washington County?
- 3.5% with a 580+ score — roughly $13,440 on a $384,000 Washington County-area home. Gift funds are allowed.
- Is Washington County a high-cost FHA area?
- No — Washington County uses the $541,287 national floor for one unit.