Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Maine. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Maine Guaranteed USDA Loan Limits

Area
1-4 Person Households
5-8 Person Households
Aroostook County, ME$272,000$340,000
Bangor, ME HUD Metro FMR Area$272,000$357,000
Cumberland County, ME (part) HUD Metro FMR Area$289,000$374,000
Franklin County, ME$272,000$340,000
Hancock County, ME$272,000$340,000
Kennebec County, ME$272,000$340,000
Knox County, ME$272,000$340,000
Lewiston-Auburn, ME MSA$272,000$340,000
Lincoln County, ME$272,000$340,000
Oxford County, ME$272,000$340,000
Penobscot County, ME (part) HUD Metro FMR Area$272,000$340,000
Piscataquis County, ME$272,000$340,000
Portland, ME HUD Metro FMR Area$306,000$408,000
Sagadahoc County, ME HUD Metro FMR Area$289,000$374,000
Somerset County, ME$272,000$340,000
Waldo County, ME$272,000$340,000
Washington County, ME$272,000$340,000
Winterport Town, ME SEA$272,000$340,000
York County, ME (part) HUD Metro FMR Area$272,000$357,000
York-Kittery-South Berwick, ME HUD Metro FMR Area$323,000$417,000
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