For the year 2026, in the county of Middlesex, Lowell, MA, the FHA loan limits are as follows: $828,000 for a single-family home, $1,060,000 for duplexes, $1,281,300 for triplexes, and $1,592,350 for four-unit dwellings.
Conventional loan ceilings, on the other hand, are marked by a maximum of $828,000 for single-family residences. For two-unit structures, the limit is set at $1,060,000, with three-unit homes capped at $1,281,300, and the four-unit allowance reaching $1,592,350.
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Lendersa® presents a calculator that facilitates the comparison of FHA loan rates and terms against various other loan programs. Delve into and compare options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
By accessing loan program data from an extensive array of lenders, Lendersa® quickly aligns this information with your distinct financial needs and profile, providing tailored results.
Utilize our Loan Limits Comparison Table specific to 2026, covering Lowell in the Middlesex county, MA. This allows you to contrast maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For further examining requirements like income, reserves, and credit specifications, engage with the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an in-depth analysis.
| 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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