In the 2025 FHA guidelines for Fitchburg, situated within Worcester, MA, the loan limit is established at $472,030 for single-family homes. For homes with two units, it is $604,400; for those with three units, $730,525; and for four-unit dwellings, $907,900 is the limit.
Conversely, the upper limit for conventional loans on a single-family home is $726,200. This extends to $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for properties comprising four units.
To assess the premier FHA rates available presently and determine the required downpayment, income levels, credit assessment, reserves, and the documentation needed for qualifying, please use our FHA calculator.
Utilize the Lendersa® calculator for assessing FHA rates and terms against other types of loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This tool offers a broad range of comparisons.
Lendersa® efficiently gathers data from numerous lenders, allowing you to make informed decisions by quickly comparing offers tailored to your personal financial profile and necessity.
For detailed analysis, refer to the Loan Limits Comparison Table for 2025 in Fitchburg, Worcester, MA, to evaluate maximum allowable loan limits across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review qualification criteria such as income, reserves, and credit standings, make use of 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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