York, ME · VA Loans
York, ME VA Loans — 0% Down for Veterans and Active Duty
VA home loans let eligible York veterans, active-duty service members, and surviving spouses finance 100% of the purchase with no down payment and no private mortgage insurance. With Maine's strong veteran population and proximity to Brunswick NAS alumni, Bath Iron Works workers, and New Hampshire-based Portsmouth Shipyard personnel, VA is one of our most-used programs.
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VA loan limits in York for 2026
Good news: since 2020, VA loans have no county-level loan limit for borrowers with full entitlement. In York, that means you can finance up to what you qualify for based on income and credit — not up to an arbitrary VA ceiling. Partial-entitlement borrowers (those with an active VA loan elsewhere) still follow the county conforming limit of $806,500.
What cash do I actually need at closing in York?
A VA purchase in York often closes for less than $2,000 out-of-pocket beyond earnest money. You're responsible for the appraisal and inspection upfront, but the VA funding fee (1.25%–3.3% depending on your file) is financed into the loan, not paid at closing. Sellers can contribute up to 4% toward your closing costs, which covers most of what's left.
No PMI — what that actually saves in York
On a $735,000 York purchase, a conventional loan with under 20% down carries $150–$300/month in private mortgage insurance. VA eliminates that line-item entirely — every month, for the life of the loan. Over a 10-year hold, that's $18,000–$36,000 back in the veteran's pocket.
VA IRRRL refinance for York homeowners
If you already have a VA loan in York, the Interest Rate Reduction Refinance Loan (IRRRL) is the simplest refi in the industry — no appraisal required in most cases, no income docs, and minimal credit review. When Maine rates drop, we move fast on VA IRRRLs because the paperwork is lighter than any other refinance type.
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York ME VA Loan FAQ
Other financing options in York
Maine USDA loan guide — 0% down rural mortgage, eligibility map, income limits by county, and preapproval.
Maine jumbo loan guide — 2026 limits, rates, down payment requirements, and preapproval for homes over $806,500.
Maine FHA loan guide — 3.
Maine conventional loan guide — 3-20% down, 2026 loan limits, PMI rules, HomeReady/Home Possible programs, and preapproval.
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