Maine · Grant

MaineHousing Advantage

$5,000

Up to $5,000 grant for down payment and closing costs. True grant — no monthly payments.

MaineHousing's Advantage program provides $5,000 as a grant — no repayment required, period. The grant covers down payment and closing costs on MaineHousing's first mortgage products.

Maine's housing market has tightened significantly as remote workers discover the state's quality of life. The $5,000 grant helps local Maine residents compete against out-of-state buyers with larger down payments, particularly in the desirable southern Maine coast and Portland metro areas.

Amount$5,000
TypeGrant
Available inMaine
First-time buyer requiredYes
Minimum credit score640
Multi-unit eligibleYes — 1-4 units

House-hack eligible

Grant format means no repayment. 1-4 unit properties eligible.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
MaineHousing First Home Loan Below-market rate + job-loss protection
Maine · Subsidized loan
All Maine programs →

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