In 2026, the FHA loan limit for Harpswell county in Cumberland, ME, is $506,000 for a single-family home. For 2-units, it's $647,750, for 3-units, $783,000, and for 4-units, the limit is $973,100.
Conventional loan maximums for a single-family residence are $726,200, with limits of $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Our FHA calculator can help you find today’s best FHA rates and identify the downpayment, income, credit score, reserves, and necessary documentation for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with other loan programs. You can look into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® aggregates loan program data from thousands of lenders, comparing it rapidly with your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Harpswell county, Cumberland, ME, enables comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for assessing income, reserves, and credit requirements.
| 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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