In 2026, the FHA loan limit for Gloucester county, within Essex, MA, stands at $828,000 for a single-family home. It is $1,060,000 for homes with 2-units, $1,281,300 for 3-unit properties, and $1,592,350 for 4-units.
The maximum amount available for a conventional loan on a single-family residence is $828,000. For 2-unit homes, the limit is $1,060,000; for 3-unit properties, it's $1,281,300; and for 4-units, $1,592,350.
Our FHA calculator aids in finding today's top FHA rates, calculating needed downpayment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator allows for comparison between FHA rate & terms and other loan program options. You can also explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® rapidly compiles data from thousands of lenders and matches it with your individual financial profile and needs.
For 2026, the Loan Limits Comparison Table for Gloucester county of Essex, MA helps compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification criteria like income, reserves, and credit, make use of 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 | $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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