Habitat for Humanity of Waldo County (ME) Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Waldo County
Buying a home in Troy, ME
1 county program and 12 statewide.Troy has no program of its own, 1 across Waldo 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 Troy
No program of Troy’s own yet
No program run for Troy alone is listed. A home in Troy can use Waldo County’s programs below, plus the Maine statewide and federal ones.
The closest city that runs its own program is Bangor, about 25 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WaldoAnywhere in Waldo County
1 county program1 county program a Troy homebuyer can use
Income limits in Waldo County
How programs here set their income limits
$92,700
County area median income, 4 people (HUD)HUD area median income, Waldo County, 4-person household (2026)
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 nearbyFree help near Troy
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.
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Across Maine and nationwide
74 statewide & federal programs12 statewide programs, plus federal options
Troy questions
Does Troy have its own down payment program?
No program run for Troy alone is listed. A home in Troy can use the 1 program that cover Waldo County and the 12 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Troy?
Troy’s one local program does not list condos as eligible. Habitat for Humanity of Waldo 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 Waldo County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Waldo 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 Troy?
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
04987
Nearby in Waldo
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.