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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Search USDA Direct Loan Limits (for low income applicants)
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
Area | 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 |
