Maine Mortgage Guides 2026
This complete Maine mortgage guide covers 2026 FHA loan limits across all 16 counties, the $832,750 conforming limit, MaineHousing’s First Home Loan and $5,000 Advantage assistance, USDA income limits, VA guidance including Portsmouth Naval Shipyard, and a closing cost breakdown built on the state’s transfer tax and recording fee — in one place.
Everything You Need for a Maine Home Purchase
Six in-depth guides covering every stage of buying a home in Maine — from choosing a loan program to knowing exactly what you will pay at the closing table.
Maine Mortgage Guide
FHA limits for all 16 Maine counties, the $832,750 conforming limit, a loan program comparison, Maine property taxes and the homestead exemption, the real estate transfer tax, and how the state’s regions shape your financing.
Read guide →Maine First-Time Home Buyer Guide
MaineHousing’s First Home Loan, $5,000 Advantage assistance, the First Generation and Salute ME programs, income and purchase price limits, and who qualifies.
Read guide →Maine FHA Loan Requirements
2026 FHA limits for all 16 Maine counties, including the higher Cumberland, Sagadahoc and York limits, HUD’s credit and minimum investment rules, FHA mortgage insurance, and FHA with MaineHousing.
Read guide →Maine VA Loan Requirements
VA entitlement and why full entitlement carries no county loan cap, the 2026 funding fee tables and exemptions, Portsmouth Naval Shipyard and the 101st Air Refueling Wing, and MaineHousing’s Salute ME.
Read guide →Maine USDA Loans
FY2026 USDA income limits for every Maine area, how to check an address for eligibility, guarantee fees, and how zero-down USDA compares with FHA.
Read guide →Maine Closing Costs Guide
Maine’s real estate transfer tax and how buyer and seller split it, the $35 recording fee, the declaration of value, how title insurance rates are filed, and a fee-by-fee breakdown.
Read guide →Key Maine Mortgage Guide Facts
FHA Loan Limits (2026)
- 13 of 16 counties: $541,287
- Cumberland, Sagadahoc and York counties: $615,250
- Conforming limit, all 16 counties: $832,750
- HUD FHA mortgage limits lookup
MaineHousing Home Loans
- First Home Loan: low fixed interest rate
- Advantage: $5,000 toward the cash needed for closing
- First Generation: $10,000 in assistance
- Minimum credit score: 640
- MaineHousing First Home Loan
Property Taxes
- Est. effective rate: 1.02%
- Median annual real estate tax bill: $3,036
- Median owner-occupied home value: $296,600
- Homestead exemption: up to $25,000 off your home’s value
- Census ACS 2020–2024 5-year table B25103
Closing Cost Highlights
- Transfer tax: $2.20 per $500, half paid by the seller and half by the buyer
- Additional $3.80 per $500 on value over $1,000,000
- Recording: $35 per document
- 36 MRSA §4641-A transfer tax
Buying or Refinancing in Maine?
Maine’s FHA limit is $541,287 in most of the state and $615,250 in Cumberland, Sagadahoc and York counties, the conforming limit is $832,750 everywhere, and MaineHousing’s income and purchase price limits change by area. Which of those apply to you changes what you can afford.
- ✓ Confirm current programs and limits at MaineHousing
- ✓ Check your area’s MaineHousing income and purchase price limits
- ✓ Find out whether your address is eligible for a USDA loan
- ✓ Compare a MaineHousing loan against a straight FHA, VA or USDA loan
Coming soon · No obligation · Educational first
Maine Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Maine is on our expansion list. In the meantime, our Maine guides and the official program links above have everything you need to research your purchase.
Join the Maine Waitlist