2026 loan limits in Cumberland County, Maine
In Cumberland County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $615,250.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$615,250High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$637,565Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $615,250 |
| 2 units | $1,066,250 | $787,650 |
| 3 units | $1,288,800 | $952,050 |
| 4 units | $1,601,750 | $1,183,200 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Cumberland County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $637,565.
Questions
What is the 2026 conforming loan limit in Cumberland County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Cumberland County?
$615,250 for a one-unit home.
More for Cumberland County
Cumberland County property taxesFHA loan limits toolMaine closing costsBailey Island 04003 market dataBridgton 04009 market dataBrunswick 04011 market dataCape Elizabeth 04107 market dataCasco 04015 market dataChebeague Island 04017 market dataCliff Island 04019 market dataCumberland Center 04021 market dataCumberland Foreside 04110 market dataEast Baldwin 04024 market data
2026 limits from HUD’s county files (Portland-South Portland, Me). Conforming limits are set by the Federal Housing Finance Agency.