In 2026, the Conventional loan limit in Gray, located in Cumberland County, ME, is $726,200, while the FHA limit is $506,000 for a single-family residence.
Utilize the Lendersa® Conventional loan calculator to effectively compare current leading rates for Conventional, FHA, and USDA loans. Evaluate the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA, enabling you to identify which program in ME best suits your financial situation.
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| Loan Type | Loan Limit | Down Payment | |
| Conventional Conforming | $726,200 | 3% | |
| USDA | $370,700 | 0% | |
| FHA | $506,000 | 3.5% |
This table applies to zip codes: 4039
The aim of Lendersa® is to provide the most favorable Conventional, USDA, or FHA loan quickly, without hassle. Choose from one of three starting options that connect you with suitable lenders and loan programs.
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