First-time homebuyer programs in Maine
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Programs from MaineHousing, summarized only from its official pages. Amounts and rules change, so confirm with the agency or a participating lender before you count on them.
For first-time buyers in Maine looking for down payment assistance from the state.
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First Home Loan Program + Advantage
What it offers: Low fixed-rate mortgages; Advantage provides $5,000 toward closing cash as a no-interest, no-payment junior lien repaid on sale or payoff.
Key eligibility: MaineHousing First Home Loan borrowers.
Official program page → Last verified October 17, 2026
First Generation Program
What it offers: $10,000 in down payment and closing cost assistance.
Key eligibility: Never lived in a home owned by your parents or legal guardians, or spent time in foster care.
Official program page → Last verified October 17, 2026
Sources: the state HFA pages linked above; agency directory from NCSHA. We do not list amounts that aren't on an official page. Not affiliated with any agency.
Related
Common questions
Who runs first-time homebuyer programs in Maine?
MaineHousing, the state housing finance agency. Its programs, income limits and lenders are on its official website.
Do I have to be a first-time buyer?
Rules differ by program. Many use the federal definition of a first-time buyer, someone who has not owned a home in the past three years, and some programs are open to repeat buyers. Check the agency's current rules.
Updated . Official sources: NCSHA state HFA directory.
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