Maine 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Maine

Maine has 16 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Androscoggin County to a high of $891,250 for a 4-bedroom unit in Cumberland County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Maine's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($809,150)
Highest Loan Limit ($891,250)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Maine (16 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Androscoggin County $420,680 $809,150 view details »
Aroostook County $420,680 $809,150 view details »
Cumberland County $463,450 $891,250 view details »
Franklin County $420,680 $809,150 view details »
Hancock County $420,680 $809,150 view details »
Kennebec County $420,680 $809,150 view details »
Knox County $420,680 $809,150 view details »
Lincoln County $420,680 $809,150 view details »
Oxford County $420,680 $809,150 view details »
Penobscot County $420,680 $809,150 view details »
Piscataquis County $420,680 $809,150 view details »
Sagadahoc County $463,450 $891,250 view details »
Somerset County $420,680 $809,150 view details »
Waldo County $420,680 $809,150 view details »
Washington County $420,680 $809,150 view details »
York County $463,450 $891,250 view details »

How to qualify for an FHA Loan in Maine?

To qualify for an FHA loan in Maine, your home loan must be below the local FHA loan limits in your area. For 2022, the maximum loan limit in Maine is $420,680 for a single-family home and $891,250 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Maine. Additional restricts apply. Click on the Maine map above or the table below to see loan limits in your area.

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