In 2026, the FHA loan limits for Cambridge, situated in Middlesex county of MA, are outlined as follows: $828,000 for a single-family dwelling, $1,060,000 for two-unit residences, $1,281,300 for three-unit properties, and $1,592,350 for four-unit structures.
Concerning conventional loans, the highest amount permitted for a single-family residence is $828,000. Two-unit homes face a limit of $1,060,000, and for three-unit homes, it's $1,281,300, with four-unit properties having a maximum of $1,592,350.
With our FHA calculator, you can explore today’s most advantageous FHA rates, and determine requirements such as the necessary downpayment, income, credit score, financial reserves, and documentation for eligibility.
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The Lendersa® calculator is designed to facilitate your comparison of FHA rates and terms against those associated with a variety of other loan options. Feel free to investigate and compare Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans relative to FHA offerings.
Lendersa® swiftly processes and compares data from a multitude of lending institutions, aligning it with your distinctive financial profile and requirements for personalized loan options delivered in seconds.
Our Loan Limits Comparison Table for the present year, 2026, tailored for Cambridge county, Middlesex, MA, allows you to comprehensively assess maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Should you wish to delve into specific qualification standards like income, reserves, and credit requisites, we recommend utilizing the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for informed decision-making.
| 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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