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$75,650$99,850
Bangor, ME HUD Metro FMR Area$75,750$100,000
Cumberland County, ME (part) HUD Metro FMR Area$83,150$109,750
Franklin County, ME$75,650$99,850
Hancock County, ME$75,650$99,850
Kennebec County, ME$75,650$99,850
Knox County, ME$75,650$99,850
Lewiston-Auburn, ME MSA$75,650$99,850
Lincoln County, ME$75,650$99,850
Oxford County, ME$75,650$99,850
Penobscot County, ME (part) HUD Metro FMR Area$75,650$99,850
Piscataquis County, ME$75,650$99,850
Portland, ME HUD Metro FMR Area$88,900$117,350
Sagadahoc County, ME HUD Metro FMR Area$82,250$108,550
Somerset County, ME$75,650$99,850
Waldo County, ME$75,650$99,850
Washington County, ME$75,650$99,850
Winterport Town, ME SEA$75,650$99,850
York County, ME (part) HUD Metro FMR Area$78,900$104,150
York-Kittery-South Berwick, ME HUD Metro FMR Area$94,600$124,850
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