For the year 2026, the FHA loan limit set in Gorham county of Cumberland, ME is $506,000 for a single-family home. For two-unit homes, the limit is $647,750. The cap for three units is $783,000, and for four-unit buildings, it reaches $973,100.
For conventional loans, the maximum permissible amount for a single-family residence is $726,200. This rises to $929,850 for two-unit homes, $1,123,900 for three-unit properties, and increases to $1,396,800 for four-unit residences.
With our FHA calculator, you can evaluate today’s favorable FHA rates and determine the necessary downpayment, along with assessing income, credit, reserves, and required documents for qualification.
Using the Lendersa® calculator, you have the ability to compare FHA rates and terms with those from other loan programs. Consider and compare loan types such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® obtains loan program data from a vast array of lenders and quickly compares it to your financial profile and unique needs.
The Loan Limits Comparison Table for 2026 in Gorham county of Cumberland, ME allows for the comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For insights into qualification requirements like income, reserves, and credit, utilize 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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