In the year 2026, within Melrose county of Middlesex, MA, the FHA loan caps are established as $828,000 for a single-family home. For dwellings with 2-units, the limit is $1,060,000, for 3-units, it ascends to $1,281,300, and for 4-units, the cap reaches $1,592,350.
As for conventional loans, the maximum amounts for a single-family residence stand at $828,000, for a property with 2-units it's $1,060,000, for 3-units, it is $1,281,300, and for a 4-unit property, it reaches $1,592,350.
Utilize our FHA calculator to uncover today's leading FHA rates and ascertain the requisite downpayment, income, credit standing, reserves, and documents necessary for qualification.
The Lendersa® calculator facilitates an evaluation of FHA rates & terms in conjunction with alternative loan programs. It allows you to delve into comparisons of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all alongside FHA terms.
Lendersa® harnesses data from numerous lenders and instantly matches it against your singular financial profile and needs.
The Loan Limits Comparison Table for 2026 in Melrose county of Middlesex, MA facilitates a comparison among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan ceilings. To compare further qualification parameters like income, reserves, and credit, employ 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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
