For 2026, the FHA loan cap in the Waterville county of Kennebec, found in ME, stands at $472,030 for a single-family dwelling. For duplexes, it's $604,400, while triplexes have a limit of $730,525, and four-unit properties can reach up to $907,900.
Regarding conventional loans, the highest loan amount for a single-family home is $726,200. For two-family units, it's $929,850; for three-unit buildings, it reaches $1,123,900; and for four-units, the limit is $1,396,800.
Our FHA calculator is designed to help you find the finest FHA rates available today and to ascertain the necessary downpayment, income, credit, reserves, and documents for qualification.
Utilize the Lendersa® calculator to review the terms and rates of FHA loans alongside other available programs. Discover and contrast conventional, jumbo, VA, USDA, non-QM, and hard money loans with FHA options.
Lendersa® retrieves data from numerous lenders and promptly matches it against your specific financial profile and requirements.
Check the Loan Limits Comparison Table for 2026 in Waterville county of Kennebec, ME to compare the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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