Habitat for Humanity of York County (ME) Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · York County
Buying a home in Saco, ME
1 county program and 12 statewide.Saco has no program of its own, 1 across York County, 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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What’s local to Saco
No program of Saco’s own yet
No program run for Saco alone is listed. A home in Saco can use York County’s programs below, plus the Maine statewide and federal ones.
The closest city that runs its own program is Bangor, about 122 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in YorkAnywhere in York County
1 county program1 county program a Saco homebuyer can use
The Saco marketThe Saco housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Saco
- 56.1% single-familysingle-family
- 6.5% townhousetownhouse
- 15.8% 2–4 units2–4 units
- 18.3% 5+ unitscondo & apartment buildings (5+ units)
- 3.3% mobile & othermobile home & other
About condos. Saco’s one local program does not list condos as eligible. Habitat for Humanity of York County (ME) Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Saco’s homes were built
pre-19401970s2020+
46.8%
of Saco 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.
$106,800
County area median income, 4 people (HUD)HUD area median income, York County, 4-person household (2026)
$92,241
Saco median household incomeMedian household income in Saco (Census, 2024)
12 of the 75 programs here set their income limit as a share of York County’s area median income, adjusted for household size. See the published limits for York County
Free help nearbyFree help near Saco
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Saco’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 York County (ME) 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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Across Maine and nationwide
74 statewide & federal programs12 statewide programs, plus federal options
Saco questions
Does Saco have its own down payment program?
No program run for Saco alone is listed. A home in Saco can use the 1 program that cover York County and the 12 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Saco?
Saco’s one local program does not list condos as eligible. Habitat for Humanity of York 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 York County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for York 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 Saco?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Saco. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
04072
Nearby in York
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.