In 2026, the FHA loan limits for Merrimac county, located in Essex, MA, are $828,000 for a single-family home. For properties with 2-units, the limit is $1,060,000, rising to $1,281,300 for 3-units and to $1,592,350 for 4-units.
Conventional loan maximums on a single-family residence are set at $828,000. For 2-units, it's $1,060,000, $1,281,300 for 3-units, and $1,592,350 for 4-units.
Use our FHA calculator to check today’s best FHA rates and find out the required downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates loan program data from thousands of lenders, quickly aligning it with your unique financial profile and needs.
Check the Loan Limits Comparison Table for 2026 in Merrimac county of Essex, MA, where you can compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To assess qualification requirements like income, reserves, and credit, use 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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