MaineHousing provides low fixed rate mortgages and other assistance to help make homeownership affordable for more Maine people. No point and low point options are available. There are options with little or no down payment required, though if you still need help with the cash needed for closing, we also offer down payment and closing cost assistance. MaineHousing mortgages even come with payment protection for unemployment.
Home Improvement & Repair Assistance
MaineHousing offers programs to help with your home improvement and repair needs. The Home Repair Program provides no cost or low cost loans to repair or replace failed wells, make heating, electrical, or structural repairs, and improve home accessibility. MaineHousing also offers programs to make your home lead safe, or fund repairs if your home has been damaged in a declared natural disaster.
Rental housing costs are increasingly out of reach for many lower and moderate income Maine people. Rental assistance, either in the form of housing choice vouchers, subsidized apartments or affordable rental housing can help. Vouchers can help pay your rent in the apartment of your choice. Subsidized apartments provide qualified tenants below-market rents. Waiting lists can be long, so you may want to apply for both kinds of help.
Energy & Heating Assistance
If you cannot afford to heat your home, pay electric bills, or would benefit from energy improvements such as new insulation, a new heating system, or energy efficient appliances, help may be available from MaineHousing programs. Lower income households may qualify for heating assistance and energy improvements at no cost to them.
If you are homeless and need emergency shelter, or need transitional or subsidized housing to get back on your feet, MaineHousing may be able to help. We finance emergency shelters and other affordable housing options, and can help you locate this housing. We also provide rental assistance to people who are homeless and working toward self-sufficiency. MaineHousing and its partners are working to end homelessness in Maine.
Housing Development & Construction Services
MaineHousing offers several programs to encourage private development of affordable rental housing for families, seniors and persons with special needs. Developers are required to ensure that housing developed with MaineHousing financing remains affordable. Construction Services provides technical assistance on MaineHousing development projects.