Habitat for Humanity of Waldo County (ME) Homeownership Program
Down-payment assistance · New construction · Income limit 80% of AMI
Single Family
See details Sep 2026
Down payment assistance · Maine
Buying a home in Waldo County, ME
1 county-wide program, plus 12 statewide and 62 nationwide.Waldo 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 WaldoAnywhere in Waldo County
1 program for every Waldo address1 program that covers every Waldo address
This is run for the whole county, so a home in Belfast, Stockton Springs or Swanville can use it.
AMI is HUD’s area median income for Waldo, adjusted for household size. Each program publishes its own dollar limits.
The Waldo marketThe Waldo housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Waldo
- 75% single-familysingle-family
- 2.5% townhousetownhouse
- 5% 2–4 units2–4 units
- 4.5% 5+ unitscondo & apartment buildings (5+ units)
- 13.1% 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 Waldo’s homes were built
pre-19401970s2020+
46.9%
of Waldo 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
HUD area median income, 4 people (FY2026)HUD area median income, Waldo County, 4-person household (FY2026)
$72,782
Median household income (ACS 2024 5-year)Median household income in Waldo (Census ACS 2024 5-year)
81.9%
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 Waldo County’s area median income, adjusted for household size. See the published limits for Waldo County
Free help in WaldoFree help in Waldo
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.
Find my counselor
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10 cities and placesA to Z
All cities in Waldo CountyAll 10 cities and places in Waldo County
Waldo questions
Can I use a county program anywhere in Waldo?
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 Waldo 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 Waldo 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 Waldo?
HUD-approved housing counseling agencies teach homebuyer classes. 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.