Maine 2025 FHA Loan Limits
Loan Limits in Maine
Maine has 16 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Androscoggin County to a high of $1,154,450 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.
Highest Loan Limit ($1,154,450)
† 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 | $524,225 | $1,008,300 | view details » |
| Aroostook County | $524,225 | $1,008,300 | view details » |
| Cumberland County | $600,300 | $1,154,450 | view details » |
| Franklin County | $524,225 | $1,008,300 | view details » |
| Hancock County | $524,225 | $1,008,300 | view details » |
| Kennebec County | $524,225 | $1,008,300 | view details » |
| Knox County | $524,225 | $1,008,300 | view details » |
| Lincoln County | $524,225 | $1,008,300 | view details » |
| Oxford County | $524,225 | $1,008,300 | view details » |
| Penobscot County | $524,225 | $1,008,300 | view details » |
| Piscataquis County | $524,225 | $1,008,300 | view details » |
| Sagadahoc County | $600,300 | $1,154,450 | view details » |
| Somerset County | $524,225 | $1,008,300 | view details » |
| Waldo County | $524,225 | $1,008,300 | view details » |
| Washington County | $524,225 | $1,008,300 | view details » |
| York County | $600,300 | $1,154,450 | 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 2025, the maximum loan limit in Maine is $524,225 for a single-family home and $1,154,450 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.