For the year 2026, FHA loan limits in Chelsea County, located in Suffolk, MA, have been set. A single-family home has a limit of $828,000, with 2-units at $1,060,000, 3-units reaching $1,281,300, and 4-units at $1,592,350.
On the other hand, conventional loans allow a maximum of $828,000 for a single-family residence, $1,060,000 for a two-unit dwelling, $1,281,300 for a three-unit property, and $1,592,350 for a four-unit investment.
With our FHA calculator, you can discover today's optimal FHA rates and also get details on the downpayment, income, credit score, reserves, and required documents needed for qualification.
The Lendersa® calculator allows for a direct comparison of FHA rates and terms with those of various other loan programs. Examine and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA options.
Lendersa® gathers loan program data from a multitude of lenders and swiftly matches it to your particular financial circumstances and preferences.
In 2026, utilize the Loan Limits Comparison Table in Chelsea County of Suffolk, MA. Compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan thresholds. For eligibility criteria such as income, reserves, and credit history, turn to 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 | $0 | $0 | $0 | $0 |
| 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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