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FHA loans in Westbrook, ME

Quick answer

The 2026 FHA loan limit in Westbrook, ME (Cumberland County) is $615,250 for a single-family home, enough for a purchase price up to about $637,000 with 3.5% down. On the $341,800 median home value, that down payment is about $11,963 and the estimated payment is $2,833/month at 7.18%, which needs roughly $122,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $85,868; value-to-income ratio 3.98. Westbrook ranks 5 by home value and 9 by population among 13 places in our ME dataset.

What does an FHA loan cost on a typical Westbrook home?

ItemWestbrook
Median home value (Census ACS)$341,800
Maine median home value$266,400
Down payment (3.5%)$11,963
Loan incl. 1.75% upfront MIP$335,609
Estimated monthly payment (PITI + MI)$2,833
Income needed (28% / 36%)$122,000 / $95,000
Cumberland County 2026 FHA limit (1 unit)$615,250
Max purchase price at the limit$637,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Maine's 1.10% effective property tax rate (Census ACS), $1,150/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Westbrook?

Westbrook is in Cumberland County where HUD's 2026 one-unit FHA limit is $615,250. With the minimum 3.5% down, that caps the purchase price at about $637,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Westbrook median home value of $341,800 is 28% above the Maine median, and within what the county limit supports.

Which down payment assistance programs can Westbrook buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Westbrook

Westbrook is in Cumberland County, where HUD's 2026 FHA limit for a one-unit home is $615,250. With 3.5% down, that supports a purchase price up to about $637,000.

3.5% of $341,800 is about $11,963 with a 580+ credit score (10%, or $34,180, with a 500–579 score), plus closing costs.

At the $341,800 median value (above the Maine median of $266,400), the estimated payment of $2,833/month at 7.18% needs about $122,000 a year under the 28% housing guideline, or $95,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.