Maine · Subsidized loan

MaineHousing First Home Loan

Below-market rate + job-loss protection

Below-market 30-year fixed rate with payment protection if you lose your job. 1-4 units eligible.

MaineHousing's First Home Loan includes unique job-loss payment protection. If you lose your job, MaineHousing covers your mortgage payments while you find new employment — a safety net found nowhere else.

AmountBelow-market rate + job-loss protection

TypeSubsidized loan

Available inMaine

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

Built-in job-loss payment protection is unique among state HFAs.

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 Advantage $5,000

Maine · Grant

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