Seth Jacobs | NMLS #249610
Buy a Home in Maine with $0 Down Payment
USDA Rural Development loans offer 100% financing for eligible Maine homebuyers. No down payment, low rates, and reduced mortgage insurance.
Maine USDA Income Limits by County
Your total household income must be at or below these limits to qualify for a USDA RD home loan.
| County | 1-4 Person Household | 5-8 Person Household | Area Loan Limit |
|---|---|---|---|
| Androscoggin | $119,850 | $158,250 | $398,600 |
| Aroostook | $119,850 | $158,250 | $398,600 |
| Cumberland Portland Metro | $128,650 | $169,800 | $398,600 |
| Franklin | $119,850 | $158,250 | $398,600 |
| Hancock | $119,850 | $158,250 | $398,600 |
| Kennebec | $119,850 | $158,250 | $398,600 |
| Knox | $119,850 | $158,250 | $398,600 |
| Lincoln | $119,850 | $158,250 | $398,600 |
| Oxford | $119,850 | $158,250 | $398,600 |
| Penobscot | $119,850 | $158,250 | $398,600 |
| Piscataquis | $119,850 | $158,250 | $398,600 |
| Sagadahoc Portland Metro | $128,650 | $169,800 | $398,600 |
| Somerset | $119,850 | $158,250 | $398,600 |
| Waldo | $119,850 | $158,250 | $398,600 |
| Washington | $119,850 | $158,250 | $398,600 |
| York Portland Metro | $128,650 | $169,800 | $398,600 |
USDA Payment Estimator
See what your monthly payment could look like with a USDA Rural Development loan.
Estimate Your Payment
How It Works
Four simple steps to homeownership with USDA financing.
Check Eligibility
Verify your income and property location meet USDA guidelines for Maine.
Get Pre-Approved
Submit your information and our team will review your qualifications quickly.
Find Your Home
Shop for homes in USDA-eligible areas across Maine with confidence.
Close & Move In
We handle the USDA approval process and get you to the closing table.
Why USDA Home Loans?
Discover the advantages of USDA Rural Development financing for Maine homebuyers.
100% Financing
No down payment required. Finance the entire purchase price of your home.
Lower Mortgage Insurance
USDA annual fee is just 0.35% — significantly less than FHA's 0.85% MIP.
Competitive Rates
USDA loans often offer rates below conventional mortgages due to the government guarantee.
Flexible Credit
Credit score requirements are more lenient than conventional loan programs.
Rural & Suburban
Many Maine towns and suburbs qualify — it's not just farmland. Check your area's eligibility.
Seller Concessions
Sellers can contribute up to 6% toward your closing costs, reducing out-of-pocket expenses.
Ready to Apply? Start Your Application Now
Already know USDA is right for you? Skip ahead and start your secure application through LeaderOne Financial's HomeHub portal. It only takes a few minutes.
Start My ApplicationSecure portal powered by LeaderOne Financial | NMLS #12007
Maine USDA Home Loan Resources
Everything you need to know about buying a home in Maine with USDA financing.
First-Time Home Buyer Programs
Maine grants, MaineHousing Advantage ($5K–$14K), and $0 down USDA options for 2026.
USDA Eligible Counties
See which Maine counties qualify — nearly 99% of the state is eligible for USDA loans.
USDA Income Limits
2026 income limits by county and household size. Find out if your household qualifies.
USDA vs. FHA Loans
Side-by-side comparison — see which loan saves you more on a Maine home purchase.
USDA Loans by Maine County
Nearly 99% of Maine qualifies. Pick your county for local eligibility details, major towns, and 2026 income limits.