Seth Jacobs | NMLS #249610
USDA Rural Development loans offer 100% financing for eligible Maine homebuyers. No down payment, low rates, and reduced mortgage insurance.
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 |
See what your monthly payment could look like with a USDA Rural Development loan.
Four simple steps to homeownership with USDA financing.
Verify your income and property location meet USDA guidelines for Maine.
Submit your information and our team will review your qualifications quickly.
Shop for homes in USDA-eligible areas across Maine with confidence.
We handle the USDA approval process and get you to the closing table.
Discover the advantages of USDA Rural Development financing for Maine homebuyers.
No down payment required. Finance the entire purchase price of your home.
USDA annual fee is just 0.35% — significantly less than FHA's 0.85% MIP.
USDA loans often offer rates below conventional mortgages due to the government guarantee.
Credit score requirements are more lenient than conventional loan programs.
Many Maine towns and suburbs qualify — it's not just farmland. Check your area's eligibility.
Sellers can contribute up to 6% toward your closing costs, reducing out-of-pocket expenses.
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
Everything you need to know about buying a home in Maine with USDA financing.
Maine grants, MaineHousing Advantage ($5K–$14K), and $0 down USDA options for 2026.
See which Maine counties qualify — nearly 99% of the state is eligible for USDA loans.
2026 income limits by county and household size. Find out if your household qualifies.
Side-by-side comparison — see which loan saves you more on a Maine home purchase.
Explore USDA loan eligibility, income limits, and qualifying areas for every county in Maine.
