As of 2026, the FHA loan limits for Hamilton in the county of Essex, MA are set at $828,000 for a single-family home. Limits for 2-units are $1,060,000, for 3-units $1,281,300, and for 4-units $1,592,350.
Maximum loan amounts for conventional loans are $828,000 for a single-family property, $1,060,000 for 2-units, $1,281,300 for 3-units, and $1,592,350 for 4-units.
Use our FHA calculator to access current FHA rates and to figure out the necessary downpayment, income, credit score, reserves, and documentation needed to qualify.
The Lendersa® calculator is designed to facilitate comparisons between FHA rates and terms and those of other loan types. This includes conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® provides comprehensive data from thousands of lenders, offering a comparison tailored to your unique financial needs in mere seconds.
The Loan Limits Comparison Table for 2026 in Hamilton County, Essex, MA, allows for comparison of maximum loan values across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to delve into qualification criteria such as income, reserves, and credit requirements.
| 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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