For the year 2026, the FHA loan limit in Winthrop county, part of Kennebec, ME, is set at $472,030 for a single-family home. It increases to $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The highest available loan limits for conventional loans are $726,200 for single-family residences, $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Utilize our FHA calculator to discover today’s best FHA rates and calculate the necessary downpayment, income, credit requirements, reserves, and needed documentation for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. Explore various options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA choices.
Lendersa® instantly gathers extensive loan data from thousands of lenders, aligning it with your individual financial needs and profile.
The Loan Limits Comparison Table for 2026 in Winthrop county, Kennebec, ME, allows comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To check qualification needs such as income, reserves, and credit, make use of Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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