Down-payment assistance
Habitat for Humanity of Waldo County (ME) Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Waldo County
Buying a home in Belfast, ME
1 Belfast program and 12 statewide.Belfast has 1 program of its own, and 12 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Belfast addresses
Belfast’s own program
The Belfast marketThe Belfast housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Belfast
- 54.9% single-familysingle-family
- 4.3% townhousetownhouse
- 15.9% 2–4 units2–4 units
- 14.2% 5+ unitscondo & apartment buildings (5+ units)
- 10.7% mobile & othermobile home & other
About condos. Belfast’s one local program does not list condos as eligible. Habitat for Humanity of Waldo County (ME) Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Belfast’s homes were built
pre-19401970s2020+
60.8%
of Belfast homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$92,700
County area median income, 4 people (HUD)HUD area median income, Waldo County, 4-person household (2026)
$67,679
Belfast median household incomeMedian household income in Belfast (Census, 2024)
13 of the 75 programs here set their income limit as a share of Waldo County’s area median income, adjusted for household size. See the published limits for Waldo County
Free help nearbyFree help near Belfast
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Maine and nationwide
74 statewide & federal programs12 statewide programs, plus federal options
Belfast questions
Does Belfast have its own down payment program?
Yes, one: Habitat for Humanity of Waldo County (ME) Homeownership Program, a down-payment assistance (new construction, income limits). It is for homes inside Belfast.
Can I use assistance on a condo in Belfast?
Belfast’s one local program does not list condos as eligible. Habitat for Humanity of Waldo County (ME) Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Waldo County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Waldo County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Belfast?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
04915
Nearby in Waldo
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.