For the year 2026, in Cumberland-Center county, situated within Cumberland, ME, the FHA loan limit is $403,650 for a single-family home. For 2-unit properties, the limit is $516,750; for 3-units it is $624,600; and for 4-units, the maximum cap is $776,250.
The maximum loan amount available for conventional loans on a single-family dwelling is $548,250. For homes with 2-units, this amount increases to $702,000. For three units, it is set at $848,500, and for four-unit properties, the limit is $1,054,500.
Utilize our FHA calculator to discover today's FHA best rates and ascertain the necessary downpayment, income, credit, reserves, and required documents for your qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against all other loan program rates and terms. Dive into comparisons involving Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA loans.
Lendersa® acquires extensive loan program data from thousands of lenders and quickly matches this with your unique financial situation and requirements.
For 2026 in Cumberland-Center county within Cumberland, ME, the Loan Limits Comparison Table enables comparisons of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Apply the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare requirements, including income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $403,650 | $516,750 | $624,600 | $776,250 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $322,900 | $322,900 | $322,900 | $322,900 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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