For 2026, the FHA loan limits applicable to Gardiner county, situated within Kennebec, ME, are $472,030 for a single-family home. For residences with 2-units, the limit is $604,400; for 3-units, it is $730,525; and for 4-units, the maximum is $907,900.
Concerning conventional loans, the highest loan amount for a single-family residence is $726,200. This extends to $929,850 for 2-units, $1,123,900 for homes with 3-units, and $1,396,800 for properties with 4-units.
Our FHA calculator is available to help you check today’s best FHA rates and determine the necessary downpayment, income, credit requirements, reserves, and documentation needed for qualifying.
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By utilizing the Lendersa® calculator, you can effectively compare the rates and terms of FHA loans with those from other loan programs. Options include Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, allowing a thorough comparison alongside FHA.
Lendersa® acquires extensive loan program data directly from thousands of lenders, quickly aligning it with your individual financial needs and profile.
The Loan Limits Comparison Table for 2026 in Gardiner county, Kennebec, ME offers a comprehensive comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To evaluate qualification requirements like income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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