For the year 2026, the FHA loan limits in New-Gloucester county, within Cumberland, ME, are determined as $403,650 for a single-family home. For properties with 2-units, it is $516,750; for homes with 3-units, it is $624,600; and for 4-units, the limit reaches $776,250.
Regarding conventional loans, the highest allowable amount for a single-family residence is $548,250, while properties with 2-units can reach $702,000, those with 3-units can go up to $848,500, and 4-unit properties can obtain $1,054,500.
To find the best FHA rates today, use our FHA calculator, which can also help determine the necessary downpayment, income, credit score, reserves, and documents required for qualification.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans with all other loan programs. Look into a variety of options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans aside from FHA.
Lendersa® quickly aggregates data from thousands of lenders, enabling comparisons with your specific financial situation and requirements in moments.
The Loan Limits Comparison Table for 2026 in New-Gloucester, within Cumberland, ME, provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate requirements on income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $403,650 | $516,750 | $624,600 | $776,250 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $322,900 | $322,900 | $322,900 | $322,900 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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