Maine USDA Home Loan

The USDA Home Loan Program offers 100% home financing for those who meet certain income and credit requirements and are financing properties in USDA designated areas. Use the map and tables below to determine your eligibility. Use the contact form to the right to request additional information.

Maine USDA Home Loan Location Eligibility

The Maine USDA Home Loan Program restricts the location of eligible properties. The dark orange areas of the map indicate ineligible locations. The table indicates counties that contain ineligible properties. - 

maine-usda-home-loans *If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page.

Androscoggin Cumberland Penobscot York

*If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page. - - - - -

Step 1 - Calculate your qualifying income based on the USDA income guidelines.

Adjusted Gross Income Calculator

STEP 1 - Determine your Income
What is the combined gross annual income of all applicants?
STEP 2 - Determine your Deductions
How many children under the age of 18 live in the home?
How many disabled or handicapped individuals who are not the applicant or co-applicant live in the home?
How many full time students 18 years of age or older live in the home?
How many people 62 years of age or older live in the home?
What are the documentable medical expenses for family members 62 years of age or older living in the home?
What are the documentable childcare expenses for children 12 years of age or older living in the home?
  
Your Household's Adjusted Gross Income

 

Step 2 - Refer to the table below to see if your income falls within the UDSA guidelines.

Maine USDA Home Loan Income Eligibility
The Maine USDA Home Loan Program has income eligibility restrictions. Below are the maximum income limits for USDA Home Loans. Find the area in which you would like to purchase a home. Maximum allowable incomes depend on whether you have a 1-4 or 5-8 person household. The USDA allows certain deductions to help you qualify. View The USDA Home Loan Applicant Eligibility Page to determine your adjusted income. Or, use the contact form to the right to request additional information.

 

Location 1 to 4 5 to 8 · Location 1 to 4 5 to 8 · Location 1 to 4 5 to 8
Bangor, ME $73,600 $97,150 York County, ME (part) $73,600 $97,150 Oxford County, ME $73,600 $97,150
Penobscot County, ME (part) $73,600 $97,150 Aroostook County, ME $73,600 $97,150 Piscataquis County, ME $73,600 $97,150
Lewiston-Auburn, ME $73,600 $97,150 Franklin County, ME $73,600 $97,150 Somerset County, ME $73,600 $97,150
Portland, ME $83,250 $109,900 Hancock County, ME $73,600 $97,150 Winterport Town, ME $73,600 $97,150
York-Kittery-South Berwick, ME $88,000 $116,150 Kennebec County, ME $73,600 $97,150 Waldo County, ME $73,600 $97,150
Cumberland County, ME (part) $73,600 $97,150 Knox County, ME $73,600 $97,150 Washington County, ME $73,600 $97,150
Sagadahoc County, ME $74,400 $98,200 Lincoln County, ME $73,600 $97,150

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USDA