For the year 2025, the FHA loan limits in Hardwick county, within Worcester, MA, are set at $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
Regarding conventional loans, the maximum lending amount for a single-family home is $726,200. If you are considering a dwelling with two units, the cap increases to $929,850, and for three or four units, it adjusts to $1,123,900 and $1,396,800, respectively.
Explore our FHA calculator to check out today's favorable FHA rates, and learn what downpayment, credit score, income, reserves, and documentation are essential for qualification.
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Utilize the Lendersa® calculator to pit FHA rates and terms against those of a wide variety of loan programs. Delve into and evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® quickly gathers program data from a vast pool of lenders, allowing for instant side-by-side comparisons tailored to your precise financial profile and necessities.
The Loan Limits Comparison Table for 2025 in the county of Hardwick, Worcester, MA, provides a comparative look at maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To evaluate the qualification standards such as required income, reserves, and credit, make use of Lendersa®’s 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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