Habitat for Humanity of Greater Portland Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Cumberland County
Buying a home in Steep Falls, ME
1 county program and 12 statewide.Steep Falls has no program of its own, 1 across Cumberland 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 Steep Falls
No program of Steep Falls’s own yet
No program run for Steep Falls alone is listed. A home in Steep Falls 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 116 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 Steep Falls homebuyer can use
The Steep Falls marketThe Steep Falls housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Steep Falls
- 81.5% single-familysingle-family
- 0% townhousetownhouse
- 9.5% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 8.9% mobile & othermobile home & other
About condos. Steep Falls’s one local program does not list condos as eligible. Habitat for Humanity of Greater Portland Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Steep Falls’s homes were built
pre-19401970s2020+
61.1%
of Steep Falls 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
County area median income, 4 people (HUD)HUD area median income, Cumberland County, 4-person household (2026)
$80,280
Steep Falls median household incomeMedian household income in Steep Falls (Census, 2024)
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 Steep Falls
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Steep Falls’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
Steep Falls questions
Does Steep Falls have its own down payment program?
No program run for Steep Falls alone is listed. A home in Steep Falls 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 Steep Falls?
Steep Falls’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 Steep Falls?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
04085
Nearby in Cumberland
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.