Opening the door to first-time homebuyers:

GET $3,500

for down payment and closing costs

Green Key LenderFirst Home Loan from MaineHousing, available through our Green Key Lenders,
is the most affordable way to buy your first home — or return to home ownership.

What makes a  First Home Loan special?
  • Our Advantage program offers up to $3,500 towards down payment & closing costs!
  • Our interest rates start at 3.5%/4.396% APR/0 Points for a 30-year, fixed-rate mortgage. 


Who’s eligible for a First Home Loan?

Mainers who...

  • Have never owned a home or have not owned a home in the past three years
  • Meet income limits
  • Meet home cost limits
  • Qualify based on credit score and lender criteria
  • Veterans & Active Duty Military, regardless of prior home ownership

How do I apply?

First Home Loan Logo

Sign up to Learn More



Thank-You. Your information has been sent to our Homeownership department.

Why First Home?

The First Home Loan program features:
  • Below-market or competitive interest rates on 30-year fixed rate mortgages
  • Little or no down payment. When a MaineHousing mortgage is combined with a government guaranty (FHA/RD/ VA) or with United Guaranty private mortgage insurance, little or no down payment is required
  • Low or no point options
  • $3,500 in down-payment and closing cost assistance (our Advantage program)
  • Up to $35,000 in additional loan financing for house improvements
  • Financing of manufactured homes on owned or leased land
  • Maine HOPE Payment protection for unemployment
  • The mortgage stays in Maine

Contact Us

353 Water Street  •  Augusta, ME 04330
(800) 452-4668  •  (207) 626-4600
Fax (207) 626-4678  •  Maine Relay 711
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