For the year 2026, in Cumberland within Portland, ME, the FHA loan limits are set as follows: $506,000 for a single-family home, $647,750 for two-family units, $783,000 for three-unit properties, and $973,100 for four-unit residences.
Conventional loans have their maximum borrowing limits defined as $726,200 for one-unit homes, increasing to $929,850 for duplexes, reaching $1,123,900 for triplexes, and extending to $1,396,800 for four-unit buildings.
Utilize our FHA calculator for an evaluation of today’s top FHA rates. With this tool, you can calculate essential factors such as your downpayment amount, necessary income, credit status, reserves, and documentation required for qualification.
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The Lendersa® calculator empowers you to juxtapose the rates and terms of FHA loans against all other loan program options available. Consider a range of alternatives including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA for a comprehensive analysis.
Lendersa® efficiently aggregates program data from a wide array of lenders, swiftly providing a match with your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Cumberland within Portland, ME offers a detailed overview of the maximum allowable loan amounts across different categories like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), along with hard money loans. To review qualification requirements like income, reserves, and credit criteria, try 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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