Down payment assistance income limits in Maine
18 down payment assistance programs in Maine publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Maine county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Androscoggin | 2026 | $96,600 |
| Aroostook | 2026 | $73,800 |
| Cumberland | 2026 | $110,800 |
| Franklin | 2026 | $85,400 |
| Hancock | 2026 | $101,200 |
| Kennebec | 2026 | $99,100 |
| Knox | 2026 | $98,300 |
| Lincoln | 2026 | $102,400 |
| Oxford | 2026 | $81,000 |
| Penobscot | 2026 | $79,000 |
| Piscataquis | 2026 | $72,100 |
| Sagadahoc | 2026 | $106,400 |
| Somerset | 2026 | $81,700 |
| Waldo | 2026 | $92,700 |
| Washington | 2026 | $78,400 |
| York | 2026 | $106,800 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| Advantage Down Payment & Closing Cost Assistance Option | $120,750Same as First Home Loan, except MHSI purchase-price limit is $250,000. Income limits (effective June 1, 2026; 1-2 person / 3 or more): Bangor HMFA $106,500/$122,475; Portland HMFA $139,100/$159,965; York/Kittery HMFA $132,900/$152,835; Cumberland (excl. HMFA) $115,754/$133,117; Sagadahoc $116,634/$134,129; York (excl. HMFA) $116,554/$134,037; All Other Areas $105,000/$120,750. | $525,000 |
| Auburn-Lewiston HOME Consortium HOMEbuyer Assistance ProgramAuburn · Androscoggin | 80% of area median incomeHouseholds at/below HUD income limits for the Lewiston-Auburn MSA; resale targets 70-80% AMI. HOME default income = 1040 adjusted gross income. UNCONFIRMED: exact by-household-size dollar limits for current AMI year. | — |
| City of Bangor Homebuyer Program (Down Payment & Closing Cost Assistance)Bangor · Penobscot | See programIncome based on household size and total of all income sources; applicants must fall within HUD income limits in the application's income guidelines chart. UNCONFIRMED: exact % AMI threshold and 4-person dollar limit (live in embedded income image + annual NOFA). | — |
| FHLBank Boston Equity Builder Program (EBP) - MaineStatewide · Statewide | 80% of area median incomeHouseholds earning no more than 80% of AMI for the state/city/town where the property is located. Includes all income for all household members occupying the property. | — |
| FHLBank Boston Housing Our Workforce (HOW) - MaineStatewide · Statewide | 120% of area median incomeHomebuyers earning above 80% and up to 120% AMI for the state/city/town. Maximum asset cap of $150,000 (incl. deposit and cash to close). | — |
| FHLBank Boston Lift Up Homeownership - MaineStatewide · Statewide | 120% of area median incomeIncome up to or below 120% AMI (HUD-defined). Maximum asset cap of $150,000 (incl. deposit and cash to close). | — |
| First Generation ProgramStatewide · Statewide | $149,270MaineHousing First Home Loan / First Generation income limits (combined household income, all occupants 18+): non-targeted $98,900 (1-2 person) / $113,735 (3+ person); targeted/higher-cost counties $111,100 (1-2 person) / $149,270 (3+ person). Verify by county and household size on MaineHousing limits sheet. | $525,000 |
| First Home Loan Program | $120,750Household income limits effective June 1, 2026, vary by area and household size (1-2 person / 3 or more): Bangor HMFA $106,500 / $122,475; Portland HMFA $139,100 / $159,965; York/Kittery HMFA $132,900 / $152,835; Cumberland County (excl. HMFA) $115,754 / $133,117; Sagadahoc County $116,634 / $134,129; York County (excl. HMFA) $116,554 / $134,037; All Other Areas $105,000 / $120,750. Income limits may be higher in Federal Targeted Areas. The '3 or more' column is the applicable figure for 4-person households. | $525,000 |
| Four Directions Development Corporation Down Payment AssistanceOrono · Penobscot | 100% of area median incomeApplicant income at/below 100% of current NAHASDA median household guidelines. Specific dollar limits follow NAHASDA/HUD median income data (not separately tabulated on page). | — |
| Habitat for Humanity 7 Rivers Maine Homeownership ProgramBath · Sagadahoc | 80% of area median incomeNo more than 80% HUD AMI by county. Lincoln 80% AMI: 1=$55,300;2=$63,200;3=$71,100;4=$78,950;5=$85,300;6=$91,600. Sagadahoc: 1=$57,800;2=$66,050;3=$74,300;4=$82,550;5=$89,200;6=$95,800. Cumberland: 1=$61,350;2=$70,100;3=$78,850;4=$87,600;5=$94,650;6=$101,650. | — |
| Habitat for Humanity of Greater Portland Homeownership ProgramPortland · Cumberland | 65% of area median incomeMust earn at least $40,000/yr and no more than 65% of HUD AMI by family size. Site 80% AMI reference: 1=$72,688; 2=$83,072; 3=$93,456; 4=$103,840; 5=$112,147. Requirements may vary by project. | — |
| Habitat for Humanity of Waldo County (ME) Homeownership ProgramBelfast · Waldo | 80% of area median incomePartners with residents whose income falls between 30% and 80% of county median income. Specific dollar limits not published on the official affiliate site. | — |
| Habitat for Humanity of York County (ME) Homeownership ProgramKennebunk · York | See programIncome guidelines by household size, set per build. Spring 2026 Island Ave (min/max): 1=$50,000/$59,850;2=$51,300/$68,400;3=$57,712/$76,950;4=$64,125/$85,500;5=$69,262/$92,350;6=$74,400/$99,200. Subject to change per build. | — |
| MaineStream Finance Down Payment Assistance LoanStatewide · Statewide | See programTargeted to low- and moderate-income Maine residents; specific limits not published on the official source. | — |
| Mobile Home Self-Insured Option (MHSI) | $120,750Same household income limits as First Home Loan, varying by location and household size (effective June 1, 2026; 1-2 person / 3 or more): Bangor HMFA $106,500/$122,475; Portland HMFA $139,100/$159,965; York/Kittery HMFA $132,900/$152,835; Cumberland (excl. HMFA) $115,754/$133,117; Sagadahoc $116,634/$134,129; York (excl. HMFA) $116,554/$134,037; All Other Areas $105,000/$120,750. | $250,000 |
| Multi-Unit Advantage Down Payment & Closing Cost Assistance | $120,750Same as First Home Loan. Income limits (effective June 1, 2026; 1-2 person / 3 or more): Bangor HMFA $106,500/$122,475; Portland HMFA $139,100/$159,965; York/Kittery HMFA $132,900/$152,835; Cumberland (excl. HMFA) $115,754/$133,117; Sagadahoc $116,634/$134,129; York (excl. HMFA) $116,554/$134,037; All Other Areas $105,000/$120,750. | $775,000 |
| SaluteME & Salute Home AgainStatewide · Statewide | $149,270MaineHousing First Home Loan / SaluteME income limits (combined household income, all occupants 18+): non-targeted $98,900 (1-2 person) / $113,735 (3+ person); targeted/higher-cost counties $111,100 (1-2 person) / $149,270 (3+ person). Verify by county and household size on MaineHousing limits sheet. | $525,000 |
| USDA Section 502 Direct Single Family Housing Loan (Maine)Statewide · Statewide | See programAdjusted income at/below the applicable low-income limit for the area; very-low-income tier qualifies for deeper subsidy and 38-year term. Limits vary by county/household size per USDA Direct Loan income limit map. | — |
Questions, answered
What are the income limits for down payment assistance in Maine?
18 down payment assistance programs in Maine publish an income limit, a purchase price cap, or both. 8 express the limit as a percentage of the area median income for the county where the home is, and 6 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
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