In 2026, the FHA loan limits for Andover county, Essex, MA, are set at $828,000 for single-family homes, $1,060,000 for two units, $1,281,300 for three units, and $1,592,350 for four-unit homes.
For conventional loans, the maximum amount allowed for a single-family residence is $828,000; it extends to $1,060,000 for two-unit homes, $1,281,300 for three-units, and $1,592,350 for four-unit homes.
Try our FHA calculator to find the best current FHA rates and measure the downpayment, income, credit, reserves, and documents needed to meet qualification criteria.
With the Lendersa® calculator, you can compare FHA rates and terms with those from a wide array of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders and quickly evaluates it according to your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Andover county of Essex, MA, lets you compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To align qualification requirements, such as income, credit, and reserves, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $828,000 | $1,060,000 | $1,281,300 | $1,592,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $828,000 | $1,060,000 | $1,281,300 | $1,592,350 |
| USDA | $675,000 | $675,000 | $675,000 | $675,000 |
| VA | $828,000 | $1,060,000 | $1,281,300 | $1,592,350 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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