Your real Maine affordability, the MaineHousing First Home Loan Advantage DPA match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Maine number — free →The MaineHousing First Home Loan Advantage DPA is Maine's flagship statewide down payment assistance, administered by the state housing finance agency (grant). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in Maine often add their own programs on top.
Official Maine program page →Maine's main statewide option is the MaineHousing First Home Loan Advantage DPA — grant administered by the state housing finance agency. Many cities and counties in Maine add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Maine assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official MaineHousing First Home Loan Advantage DPA page before applying.