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Maine program

MaineHousing Pre-1976 Mobile Home Replacement Initiative

Maine route through MaineHousing. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Mortgage plus $35,000 grant Multiple repayment paths 2026-04-23
Agency MaineHousing
Support type Mortgage plus $35,000 grant
Amount highlight Current MaineHousing materials describe the initiative as an amortizing, interest-bearing MaineHousing mortgage loan combined with a $35,000 MaineHousing grant to replace a pre-1976 mobile home with a new ENERGY STAR certified manufactured home on the same site.
Last verified 2026-04-23

Use carefully

This is a specialty replacement path, not a general Maine homebuyer baseline

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The initiative is a specialty mortgage-plus-grant replacement path for owner-occupants of older mobile homes on owned land, not a general statewide purchase program.

Source note: The page and summary PDF align on the $35,000 grant, 10-year occupancy requirement, and First Home-or-SaluteME uninsured mortgage structure. The main public nuance is that post-1976 units can be considered only case by case, so public copy should not overstate that exception.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Maine program hub if you need the wider state context.

Amount

Current MaineHousing materials describe the initiative as an amortizing, interest-bearing MaineHousing mortgage loan combined with a $35,000 MaineHousing grant to replace a pre-1976 mobile home with a new ENERGY STAR certified manufactured home on the same site.

Type

Mortgage plus $35,000 grant

Repayment

Borrowers repay the MaineHousing first mortgage under amortizing loan terms. Current public materials say the $35,000 grant is backed by a deferred, forgivable Note and Mortgage with a 10-year occupancy requirement.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Maine residents who own and occupy a pre-1976 mobile home as a primary residence, Households with annual income at or below 80% of current First Home Program income limits, Borrowers who qualify for a MaineHousing First Home or SaluteME uninsured mortgage loan, Applicants replacing the home on owned land with a new ENERGY STAR certified manufactured home on the same site

What support do you get?

Current MaineHousing materials describe the initiative as an amortizing, interest-bearing MaineHousing mortgage loan combined with a $35,000 MaineHousing grant to replace a pre-1976 mobile home with a new ENERGY STAR certified manufactured home on the same site.

Do you repay it?

Borrowers repay the MaineHousing first mortgage under amortizing loan terms. Current public materials say the $35,000 grant is backed by a deferred, forgivable Note and Mortgage with a 10-year occupancy requirement.

How do you apply?

Work with a MaineHousing lender, verify ownership and occupancy of the existing pre-1976 mobile home, qualify for a First Home or SaluteME uninsured mortgage, and close the replacement project using the mortgage-plus-grant structure under current MaineHousing rules.

Official source evidence

Current MaineHousing materials show the Pre-1976 Mobile Home Replacement Initiative remains live statewide as a mortgage-plus-grant path that combines an amortizing MaineHousing loan with a $35,000 grant, waives the first-time-buyer requirement, caps acquisition cost at $250,000, and enforces a 10-year occupancy requirement through a deferred forgivable note and mortgage.

View official source

Last verified

2026-04-23

Summary PDF updated 2026-03-11

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Comparison preview

MaineHousing Pre-1976 Mobile Home Replacement Initiative

Amount: Current MaineHousing materials describe the initiative as an amortizing, interest-bearing MaineHousing mortgage loan combined with a $35,000 MaineHousing grant to replace a pre-1976 mobile home with a new ENERGY STAR certified manufactured home on the same site.

Repayment: Borrowers repay the MaineHousing first mortgage under amortizing loan terms. Current public materials say the $35,000 grant is backed by a deferred, forgivable Note and Mortgage with a 10-year occupancy requirement.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • MaineHousing Pre-1976 Mobile Home Replacement Initiative must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with MaineHousing Pre-1976 Mobile Home Replacement Initiative, and what breaks eligibility?
  • Which document version should control MaineHousing Pre-1976 Mobile Home Replacement Initiative right now: program guide, fact sheet, or lender packet?

Action checklist preview

What you would do next

  • Review the official Program page for MaineHousing Pre-1976 Mobile Home Replacement Initiative
  • Carry the lender question kit for MaineHousing Pre-1976 Mobile Home Replacement Initiative
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