FHA VS Conventional loan in Shirley, Middlesex County, Massachusetts
In 2026, the loan limits for a single-family home in Shirley, situated in Middlesex county, MA, are set as follows: the Conventional loan limit is $828,000, while the FHA loan maximum is $828,000. These figures are crucial for determining your financing options.
Take advantage of the Lendersa® Conventional loan calculator to analyze and compare today's most competitive rates across Conventional, FHA, and USDA loan offerings. This tool allows you to determine the necessary income, assess credit requirements, calculate reserves, and compile the documents needed for loan qualification. Our advanced mortgage calculator gives you a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA loans, enabling you to decide which program in MA best aligns with your particular financial circumstances.
2026 Loan Limits and Down Payment Details in Shirley, Middlesex, MA
Loan Type
Loan Limit
Minimum Down Payment
Conventional Conforming
$828,000
3%
USDA
$675,000
0%
FHA
$828,000
3.5%
The data within this comparison table specifically applies to the following zip codes: 1464
Exploring Conventional and FHA Loan Options in Shirley, MA
The mission of Lendersa® is to ensure you swiftly secure the most appropriate Conventional, USDA, or FHA loan with minimal complication. Begin with one of three entry points that guide you to matched lenders and suitable loan programs tailored to your needs.
Leominster Credit Union is a member-owned, not-for-profit cooperative financial institution. For more than 65 years, we have provided a full range of deposit, lending, and other financial services to North Central Massachusetts residents. Today, we are proud to claim more than 50, 000 members. Leominster Credit Union is headquartered in Leominster,
Leominster Employees Federal Credit Union is a unique non-profit financial institution that is owned and operated for the benefit of its’ membership, the City of Leominster Municipal employees, and their families. The Leominster Employees Federal Credit Union came into being in 1995
The goliath banks of 1888 weren’t interested in providing a high quality banking experience to the hard working middle class of our community. They were only interested in what was in people’s wallets, not what was in their hearts. That’s where we came in. Fidelity Cooperative Bank first opened its doors in 1888.
We are a full-service Credit Union, but more importantly, we’re people like you, helping people like you. Yes…we have checking and saving accounts; auto loans and mortgages…you get the gist. But what we pride ourselves most on is helping you through every stage of your life. IC was founded in 1928.
With $1.7 billion in assets and over 90, 000 members, we are one of the most trusted credit unions headquartered in Massachusetts. Our mobile services, education programs, and innovative products are designed to help our members become financially self-sufficient and successful, whether they're well-established or just starting out.
Our members – both long-time and brand-new – have chosen Workers for full banking services to meet a lifetime of financial needs, and we can help you, too. We would love to show you how we can save you money, and make banking easier, and more convenient.We take the time to focus on the things that are important to you
Best Rate Mortgage MA was started in 2011 in Charlestown MA and now serves the entire Commonwealth with below market rates and personalized customer service. With loan officers located across the state and equipped with state of the art technology, the mortgage process is easily tailored to those who demand either in-person.
