In 2026, the FHA loan limits in Manchester-by-the-Sea, Essex, MA are set at $828,000 for a single-family home. The limit increases to $1,060,000 for 2-units, $1,281,300 for 3-units, and reaches $1,592,350 for 4-units.
For conventional loans, the maximum loan amount on a single-family residence stands at $828,000. For 2-units, it is $1,060,000. For 3-units, it's $1,281,300, and for homes with 4-units, the maximum is $1,592,350.
Use our FHA calculator to see today's best FHA rates and find out the downpayment, income, credit score, reserves, and documents needed to qualify.
The Lendersa® calculator allows comparison of FHA rates and terms against those of other loan types such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from numerous lenders, providing comparisons tailored to your unique financial situation and needs.
The Loan Limits Comparison Table for 2026 in Manchester-by-the-Sea, Essex, MA, lets you compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans for their maximum limits. To review qualification criteria such as income, reserves, and credit, leverage 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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