Habitat for Humanity of Greater Portland Homeownership Program
Down-payment assistance · New construction · Income limit 65% of AMI
Single Family
See details Jul 2026
Down payment assistance · Maine
Buying a home in Cumberland County, ME
1 county-wide program, plus 12 statewide and 62 nationwide.Cumberland has 1 program that covers the whole county. On top of those, 12 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in CumberlandAnywhere in Cumberland County
1 program for every Cumberland address1 program that covers every Cumberland address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Portland, West Scarborough or South Portland can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Cumberland, adjusted for household size. Each program publishes its own dollar limits.
The Cumberland marketThe Cumberland housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Cumberland
- 63.3% single-familysingle-family
- 4.9% townhousetownhouse
- 12.7% 2–4 units2–4 units
- 15% 5+ unitscondo & apartment buildings (5+ units)
- 4.1% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cumberland’s homes were built
pre-19401970s2020+
54.9%
of Cumberland 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.
$110,800
HUD area median income, 4 people (FY2026)HUD area median income, Cumberland County, 4-person household (FY2026)
$95,677
Median household income (ACS 2024 5-year)Median household income in Cumberland (Census ACS 2024 5-year)
69.8%
of occupied homes are owner-occupied (Maine: 74.3%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 75 programs here set their income limit as a share of Cumberland County’s area median income, adjusted for household size. See the published limits for Cumberland County
Free help in CumberlandFree help in Cumberland
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Cumberland County
Cumberland’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Greater Portland Homeownership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Cumberland County.
20 cities and placesA to Z
All cities in Cumberland CountyAll 20 cities and places in Cumberland County
Cumberland questions
Can I use a county program anywhere in Cumberland?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Cumberland County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Cumberland programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Cumberland?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Cumberland County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.