Loan Limits / Maine / Cumberland County
2026 Loan Limits · Maine · PORTLAND-SOUTH PORTLAND, ME
Cumberland County, ME.
2026 conforming and FHA loan limits, calibrated to a median sales price of $535,000.
Median Sales Price
$535,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$615,250
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $615,250 |
| 2-unit (duplex) | $787,650 |
| 3-unit (triplex) | $952,050 |
| 4-unit (fourplex) | $1,183,200 |
About this county
About Cumberland County
Cumberland County is a county in the U.S. state of Maine. As of the 2020 census, the population was 303,069, making it the most populous county in Maine. Its county seat is Portland. Cumberland County was founded in 1760 from a portion of York County, Province of Massachusetts Bay, and named for William, Duke of Cumberland, a son of King George II. Cumberland County has the deepest and second-largest body of water in the state, Sebago Lake, which supplies tap water to most of the county. The county is the state's economic and industrial center, having the resources of the Port of Portland, the Maine Mall, and having corporate headquarters of major companies such as onsemi, IDEXX Laboratories, Unum, and TD Bank. Cumberland County is part of the Portland–South Portland, ME Metropolitan Statistical Area. Read more on Wikipedia →
Population
305,940
U.S. Census ACS 2023
Median Household Income
$92,983
U.S. Census ACS 2023
Median Home Value (Census)
$411,400
Owner-occupied · ACS 2023
Owner-Occupancy Rate
70%
Of occupied housing
What these limits mean for buyers in Cumberland County
The 2026 conforming 1-unit limit for Cumberland County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Cumberland County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $615,250. The HUD CHUMS table pegs the median sales price for Cumberland County at $535,000. Cumberland County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Cumberland County ($535,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Cumberland County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Cumberland County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.