In 2026, the FHA loan limit in South-Portland county of Cumberland, located in ME, is set at $403,650 for a single-family home. For 2-unit properties, it is $516,750, for 3-unit homes, it's $624,600, and the limit for 4-unit buildings is $776,250.
The conventional loan maximum for a single-family residence is $548,250. It rises to $702,000 for two-unit dwellings, $848,500 for three-unit properties, and $1,054,500 for buildings with four units.
To explore today's best FHA rates, our FHA calculator is available for you to use, aiding in calculating the required downpayment, evaluating income, credit, reserves, and necessary documents.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loans. Analyze options among Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison with FHA choices.
Lendersa® draws loan program data from an extensive network of lenders and quickly matches it to your financial profile and needs.
Review the Loan Limits Comparison Table for 2026 in South-Portland county of Cumberland, ME, which outlines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification requirements like 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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