In 2026, the FHA loan limit in Charlton, Worcester, MA for a single-family home is $472,030, for a two-unit property is $604,400, for three units is $730,525, and for four-unit buildings, it is $907,900.
The maximum amount for conventional loans on a single-family residence is $726,200, while for two units, it's $929,850, for three units $1,123,900, and for four-unit properties, $1,396,800.
Use our FHA calculator to find today’s best FHA rates and determine the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. Explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all alongside FHA.
Lendersa® gathers loan data from thousands of lenders and quickly aligns it with your personal financial needs.
Consult the Loan Limits Comparison Table for 2026 in Charlton, county of Worcester, MA. It compares loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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