In 2026, the FHA loan limits for Gray county, within Cumberland, ME, are $506,000 for a single-family home, $647,750 for properties with 2-units, $783,000 for 3-units, and $973,100 for those with 4-units.
The highest permissible loan amounts for conventional loans on a single-family dwelling are $726,200. For two units, it's $929,850, for three units, the ceiling is $1,123,900, and for four units, it reaches up to $1,396,800.
Utilize our FHA calculator to explore today’s leading FHA rates and determine the necessary downpayment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against those of various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans as alternatives or complements to FHA.
Lendersa® efficiently aggregates data from thousands of lenders, offering you a swift comparison tailored to your individual financial profile and needs.
This year's Loan Limits Comparison Table for 2026 in Gray county of Cumberland, ME, provides comprehensive insights into maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. 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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