For the year 2026, the FHA loan limit in Freeport county of Cumberland, ME, is specified as $506,000 for a single-family home. For properties with two units, it increases to $647,750; for those with three units, the cap is $783,000; and for four-unit dwellings, the limit extends to $973,100.
Regarding conventional loans, the maximal amount for a single-family residence is $726,200. For homes with two units, it's $929,850; for three-unit structures, it reaches $1,123,900; and for four-unit buildings, the maximum is $1,396,800.
Utilize our FHA calculator to explore today's top FHA rates, determining necessary downpayment, income, credit, reserves, and the documents required for qualification.
The Lendersa® calculator provides an effective way to compare FHA rates and terms against those from other loan programs. Analyze options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in comparison with FHA offerings.
Lendersa® collects extensive loan program data from a myriad of lenders, quickly aligning this information to your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Freeport county of Cumberland, ME facilitates comparison of maximum loan amounts, covering FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $506,000 | $647,750 | $783,000 | $973,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $370,700 | $370,700 | $370,700 | $370,700 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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