USDA Guaranteed Loans are the most popular rural development mortgage program in Maine.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Maine USDA income limits playing a major role.  Guaranteed Loan income limits across ME are listed below.

Maine USDA Guaranteed Loan Income Limits

1-4 Person Households
5-8 Person Households
Aroostook County, ME$86,850$114,650
Bangor, ME HUD Metro FMR Area$86,850$114,650
Cumberland County, ME (part) HUD Metro FMR Area$86,850$114,650
Franklin County, ME$86,850$114,650
Hancock County, ME$86,850$114,650
Kennebec County, ME$86,850$114,650
Knox County, ME$86,850$114,650
Lewiston-Auburn, ME MSA$86,850$114,650
Lincoln County, ME$86,850$114,650
Oxford County, ME$86,850$114,650
Penobscot County, ME (part) HUD Metro FMR Area$86,850$114,650
Piscataquis County, ME$86,850$114,650
Portland, ME HUD Metro FMR Area$106,950$141,150
Sagadahoc County, ME HUD Metro FMR Area$86,850$114,650
Somerset County, ME$86,850$114,650
Waldo County, ME$86,850$114,650
Washington County, ME$86,850$114,650
Winterport Town, ME SEA$86,850$114,650
York County, ME (part) HUD Metro FMR Area$86,850$114,650
York-Kittery-South Berwick, ME HUD Metro FMR Area$108,550$143,300
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