For 2026, the FHA loan limit in the county of Middlesex within Dracut, MA is specified as $828,000 for a single-family house. For 2-unit residential properties, it is set at $1,060,000, for 3-unit homes it is $1,281,300, and for properties with 4-units, the limit is $1,592,350.
Conventional loan caps for a single-family home are at $828,000. The maximum for a two-unit dwelling is $1,060,000, whereas for a three-unit building, it's $1,281,300, and for four-unit structures, the cap is $1,592,350.
Our FHA calculator helps you find today’s best FHA rate offers and calculates the needed down payment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator is designed to enable comparisons of FHA rate & terms with those of other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates loan program data from thousands of lenders and rapidly matches this information to your financial profile and specific needs, streamlining your choice process.
For 2026 in Dracut county of Middlesex, MA, the Loan Limits Comparison Table allows a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money top loan amounts. To examine qualification criteria such as income, reserves, and credit requirements, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) can be utilized for deeper insights.
| 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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