For 2026, in the county of Lancaster, Worcester, MA, the FHA loan limit is set at $472,030 for a single-family home. For properties with 2-units, the limit is $604,400, increasing to $730,525 for 3-units, and reaching $907,900 for 4-unit residences.
Conventional loan limits are $726,200 for a single-family dwelling. For multi-unit properties, they extend to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Leverage our FHA calculator today to uncover the best current FHA rates and ascertain the prerequisites regarding downpayment, income, credit rating, reserves, and necessary documentation for qualification.
The Lendersa® calculator allows a comparison of FHA rates and terms with other financial loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly compiles and compares loan program data from a multitude of lenders against your financial profile.
Within the Loan Limits Comparison Table for 2026 in Lancaster County, Worcester, MA, compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate requirements for income, reserves, and credit, employ 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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