For the year 2026, the FHA loan limits in Ipswich, located within Essex county, MA, are as follows: $828,000 for a single-family home, $1,060,000 for a two-unit property, $1,281,300 for a three-unit residence, and $1,592,350 for a four-unit building.
The maximum allowed for conventional loans on a single-family residence is $828,000, while for two-units it is $1,060,000, for three units it's $1,281,300, and for properties with four units, it's capped at $1,592,350.
Utilize our FHA calculator to access today's optimal FHA rates and to evaluate the necessary downpayment, income, credit requirements, reserves, and documentation for qualifying.
The Lendersa® calculator is an efficient tool for comparing FHA rates and terms with those of other loan programs. Evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA opportunities.
Lendersa® aggregates extensive loan program data from thousands of lenders, providing quick comparisons tailored to your financial profile and needs.
Refer to the comprehensive Loan Limits Comparison Table for 2026 in Ipswich county, Essex, MA. This table allows you to compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending options. To assess qualifying factors such as income, reserves, and credit, utilize the 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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