Maine USDA Loans
My state-specific information
Eligibility Requirements – Maine
Who hasn’t dreamed of a home nestled in the trees and hills of New England? With a home loan from the USDA, your dream could finally be a reality. No down payment, no maximum loan amount, and no assets needed to qualify mean flexibility to fit your situation. For a family of 1-4 in Maine, the average household income limit for a USDA loan is about $119,850, and can be as high as $197,100 for a family of 5 or more. To learn more, fill out the form below to get in touch with one of our USDA loan specialists and take the first step toward your dream.
The map below shows the areas of Maine that qualify for USDA loans. For more info on eligible areas, head to the USDA property eligibility screen.
Maine USDA Income Limits (Moderate Income – Guaranteed Loan)
Most Maine counties use the standard USDA income limit. Select coastal and southern metro areas have higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Maine Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| York County, ME (part) HUD Metro FMR Area | $122,900 | $162,250 |
| Cumberland County, ME (part) HUD Metro FMR Area | $125,950 | $166,300 |
| York-Kittery-South Berwick, ME HUD Metro FMR Area | $147,400 | $194,600 |
| Portland, ME HUD Metro FMR Area | $149,300 | $197,100 |
USDA income limits in Maine are based on total household income and household size. This includes income from all adult household members—not just the borrower. While most rural counties use the standard USDA income cap, higher-cost coastal and southern Maine areas (including Portland and parts of York and Cumberland counties) have elevated limits.
If your household income falls within the limit for your area and household size, you may qualify for a USDA Guaranteed loan with 100% financing (no down payment).
Check Your Maine USDA Eligibility
USDA loans are available throughout many rural and suburban areas of Maine. We can quickly:
- Verify your county income limit (1–4 vs. 5+ household members)
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on household size, verified income, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Maine.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Maine USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Maine
