Maine Loan Limits by County, 2026
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 16 Maine counties. 3 counties are high-cost areas with FHA limits above the national floor.
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Androscoggin County | $541,287 | $832,750 | Floor |
| Aroostook County | $541,287 | $832,750 | Floor |
| Cumberland County | $615,250 | $832,750 | High-cost |
| Franklin County | $541,287 | $832,750 | Floor |
| Hancock County | $541,287 | $832,750 | Floor |
| Kennebec County | $541,287 | $832,750 | Floor |
| Knox County | $541,287 | $832,750 | Floor |
| Lincoln County | $541,287 | $832,750 | Floor |
| Oxford County | $541,287 | $832,750 | Floor |
| Penobscot County | $541,287 | $832,750 | Floor |
| Piscataquis County | $541,287 | $832,750 | Floor |
| Sagadahoc County | $615,250 | $832,750 | High-cost |
| Somerset County | $541,287 | $832,750 | Floor |
| Waldo County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| York County | $615,250 | $832,750 | High-cost |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.