In 2026, the FHA loan limit in Harrison county, within Cumberland, ME, stands at $506,000 for a single-family home. Two-unit homes have a limit of $647,750, for three units it is $783,000, and for four units, the cap reaches $973,100.
The maximum you can borrow for conventional loans on a single-family residence is $726,200. For properties with two units, the limit is $929,850, for three-unit homes, it's $1,123,900, and for properties with four units, it rises to $1,396,800.
Our FHA calculator can be used to find today's leading FHA rates and compute the necessary downpayment, along with assessing income, credit score, reserves, and required documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. It facilitates comparisons among Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® collects detailed loan program data from thousands of lenders, delivering rapid analysis against your specific financial profile and needs.
The 2026 Loan Limits Comparison Table for Harrison county, part of Cumberland, ME, assists in comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess requirements for income, reserves, and credit.
| 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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