VA Loan Limits in Maine (2026)
For 2026, the VA county loan limit for most Maine counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Maine has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Maine — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Maine
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Cumberland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| York County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Penobscot County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kennebec County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Androscoggin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Aroostook County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Oxford County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hancock County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Somerset County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Knox County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Waldo County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sagadahoc County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Franklin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lincoln County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Piscataquis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Maine's median home price is roughly $390,000. With $0 down and no PMI, an example VA payment near that price is about $2,973/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Maine
The VA home-loan benefit lets eligible Maine veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Maine for 2026?
- With full entitlement, none. For partial entitlement, most Maine counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Maine require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.