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MaineHousing First Home Loan Program

Administered by:
Maine State Housing Authority (MaineHousing)
 · State · Deferred Loan
Funding status: Active

How much assistance

Low fixed-rate 30-year mortgage with little or no down payment

Eligibility

  • Income limits: Varies by household size and county; ranges from $97,900 to $146,625
  • First-time buyer required: Yes — Must not have had an ownership interest in a home during the past 3 years.
  • Credit score minimum: 640
  • Geographic restrictions: Must purchase within the state of Maine.
  • Homebuyer education required: Yes

Free eligibility check

Check if you qualify for MaineHousing First Home Loan Program

  • Free
  • No credit check
  • Takes 2 minutes

Are you a first-time homebuyer?

YesNoNot sure
Question 1 of 6
housebuyerguides

How to Apply for MaineHousing First Home Loan Program

Apply through one of MaineHousing's 40+ approved First Home Lenders. Complete a hoMEworks-approved homebuyer education class.

Free eligibility check

See every program you may qualify for

  • Free
  • No credit check
  • Takes 2 minutes

How soon are you looking to buy?

Within 30 days1–3 months3–6 months6–12 monthsJust researching
Question 1 of 6
housebuyerguides

Learn More About Homebuying in Maine

Cities Where This Program Is Available (15 cities across 1 state)

Maine (15 cities)

Available Statewide In