Habitat for Humanity of Greater Portland Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Cumberland County
Buying a home in South Portland Gardens, ME
1 county program and 12 statewide.South Portland Gardens has no program of its own, 1 across Cumberland County, and 12 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to South Portland Gardens
No program of South Portland Gardens’s own yet
No program run for South Portland Gardens alone is listed. A home in South Portland Gardens can use Cumberland County’s programs below, plus the Maine statewide and federal ones.
The closest city that runs its own program is Bangor, about 111 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CumberlandAnywhere in Cumberland County
1 county program1 county program a South Portland Gardens homebuyer can use
Income limits in Cumberland County
How programs here set their income limits
$110,800
County area median income, 4 people (HUD)HUD area median income, Cumberland County, 4-person household (2026)
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 nearbyFree help near South Portland Gardens
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
South Portland Gardens’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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Across Maine and nationwide
74 statewide & federal programs12 statewide programs, plus federal options
South Portland Gardens questions
Does South Portland Gardens have its own down payment program?
No program run for South Portland Gardens alone is listed. A home in South Portland Gardens can use the 1 program that cover Cumberland County and the 12 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in South Portland Gardens?
South Portland Gardens’s one local program does not list condos as eligible. Habitat for Humanity of Greater Portland 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 Cumberland County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Cumberland 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 South Portland Gardens?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of South Portland Gardens. Create a free account and take the 90-second match to see the ones near you.
Nearby in Cumberland
Sources
Sources: agency sites (June–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.