In 2026, the FHA loan limit for Holyoke within Hampden, MA, is established at $472,030 for single-family homes. For two-unit properties, this limit is set at $604,400, increasing to $730,525 for three units, and capped at $907,900 for four-unit buildings.
The highest conventional loan amount permitted for a single-family dwelling is $726,200. For duplexes, it reaches $929,850, rising to $1,123,900 for triplexes, and topping out at $1,396,800 for four-unit homes.
Use our FHA calculator to find today’s most favorable FHA rates. It will also help determine the necessary downpayment, income threshold, credit score requirements, reserves, and documentation needed to qualify.
Explore loan offers from a selection of 100 lenders for comparison
The Lendersa® calculator offers a way to compare FHA rates and terms against those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This provides a comprehensive comparison.
Lendersa® rapidly collects loan program information from thousands of lenders, delivering a tailored comparison that fits your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in Holyoke, Hampden, MA, allows for a comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed comparison of qualification requirements like income, reserves, and credit, use 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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