In the year 2026, the FHA loan limit for Billerica in Middlesex, MA, is set at $828,000 for a single-family house. For duplexes, the cap is $1,060,000, rising to $1,281,300 for triplexes, and $1,592,350 for four-unit properties.
Conventional loan limits, on the other hand, reach a maximum of $828,000 for single-family homes, $1,060,000 for duplexes, $1,281,300 for triplexes, and $1,592,350 for four-unit residences.
Utilize our FHA calculator to access today’s leading FHA rates and evaluate downpayment needs, income requirements, credit standing, reserves, and necessary documents for qualification.
The Lendersa® calculator aids in comparing FHA rates and terms with a range of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers data from numerous lenders, processing it to align with your particular financial profile and requirements.
Within the 2026 Loan Limits Comparison Table for Billerica in Middlesex, MA, compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a review of qualifying criteria such as income, reserves, and credit, utilize the 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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