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Maine 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Maine

Maine has 16 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Androscoggin County to a high of $973,100 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 ($907,900)
Highest Loan Limit ($973,100)

† 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 $472,030 $907,900 view details »
Aroostook County $472,030 $907,900 view details »
Cumberland County $506,000 $973,100 view details »
Franklin County $472,030 $907,900 view details »
Hancock County $472,030 $907,900 view details »
Kennebec County $472,030 $907,900 view details »
Knox County $472,030 $907,900 view details »
Lincoln County $472,030 $907,900 view details »
Oxford County $472,030 $907,900 view details »
Penobscot County $472,030 $907,900 view details »
Piscataquis County $472,030 $907,900 view details »
Sagadahoc County $506,000 $973,100 view details »
Somerset County $472,030 $907,900 view details »
Waldo County $472,030 $907,900 view details »
Washington County $472,030 $907,900 view details »
York County $506,000 $973,100 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 2023, the maximum loan limit in Maine is $472,030 for a single-family home and $973,100 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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