In 2026, the FHA loan limit in the county of Cumberland, Scarborough, ME, is $506,000 for a single-family house. For two-unit homes, the limit is $647,750, for three units it reaches $783,000, and for properties with four units, the limit is $973,100.
For conventional loans, the maximum available for a single-family home is $726,200. This extends to $929,850 for two-unit structures, $1,123,900 for three units, and $1,396,800 for four-unit buildings.
Leverage our FHA calculator to discover today’s optimal FHA rates and calculate the required downpayment, along with income, credit, reserves, and documents needed for qualification.
Lendersa® calculator assists in evaluating FHA rates and terms alongside those of other loan options. Investigate and compare conventional, jumbo, VA, USDA, non-QM, and hard money loans against FHA offerings.
Lendersa® compiles data from a vast network of lenders and quickly aligns it with your distinct financial profile and requirements.
In 2026, the Loan Limits Comparison Table for Cumberland in Scarborough, ME helps you compare the top loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. Check qualification needs like income, reserves, and credit via 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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