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

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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