Homebuyer Program Details


Program Summary

MaineHousing’s Pre-1976 Mobile Home Replacement Initiative provides income-eligible Maine residents with an opportunity to replace the pre-1976 mobile home they own and occupy as their primary residence with a new ENERGY STAR ® certified manufactured home.

The initiative combines an amortizing, interest-bearing MaineHousing mortgage loan with a $30,000 MaineHousing grant requiring a 10-year occupancy compliance period, to be used to help Maine residents with the cost of dismantling and removing the pre-1976 home and purchasing and installing an ENERGY STAR ® certified new home on the same site as their existing home.  

Replacement property requirements apply. The new unit:

  • Must be an ENERGY STAR ® certified manufactured home which is to be permanently connected to water, sewer, and other utilities.
  • Must be purchased through a licensed Maine dealer.
  • Must be located on the site of the removed pre-1976 mobile home, which may be on owned land, private leased land or in a park.
  • Must be anchored to a permanent foundation in accordance with the provisions of the Maine Manufactured Housing Board with the wheels, axles, towing hitch and tongue removed.


Eligibility

STEP 1 – Homeownership Status

Own and occupy a pre-1976 mobile home as verified by a Maine licensed professional.  

STEP 2 – Household Income

Have an annual household income at or below 80% of the First Home Program income limits. See chart below. 

Area Household Size
1-2 person 3 or more
BangorvHMFA
Bangor, Brewer, Eddington, Glenburn, Hampden, Hermon, Holden, Kenduskeag, Milford, Old town, Orono, Orrington, Penobscot Indian Island Reservation, Veazie $56,160 $64,560
Portland HMFA
Cumberland County: Cape Elizabeth, Casco, Chebeague Island, Cumberland, Falmouth, Freeport, Frye Island, Gorham, Gray, Long Island, North Yarmouth, Portland,Raymond, Scarborough, South Portland, Standish, Westbrook, Windham, Yarmouth

York County: Buxton, Hollis, Old Orchard Beach
$72,080 $82,880
York/Kittery/So. Berwick HMFA
Berwick, Eliot, Kittery, So. Berwick, York $73,120 $84,080
Other Areas
Cumberland County (excluding HMFA) $57,040 $65,520
Sagadahoc County $56,640 $65,120
York County (excluding HMFA) $57,760 $66,400
All Other Counties $54,480 $62,640

 

STEP 3 – First Home Program Eligibility

Applicants must be eligible to receive a MaineHousing first-lien mortgage loan, and understand that the grant requires a 10-year occupancy requirement evidenced by a deferred, forgivable Note and Mortgage.  The First-Time Homebuyer requirement is waived. 

STEP 4 – Purchase Price Limits

Acquisition cost limit is $150,000 for all areas. 



More Info

As an option under the First Home Program, MaineHousing’s Pre-1976 Mobile Home Replacement Initiative is offered by more than 40 lending institutions statewide.  Contact a MaineHousing Lender in your area.

For further information see related information at the top right of the page or contact: 

Homeownership Department

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Program Resources

Additional Resources


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