As of 2026, the FHA loan limits in Methuen-Town, located in Essex, MA, stand at $724,500 for single-family homes. For duplexes, the limit is $927,500, rising to $1,121,150 for triplexes, and reaching $1,393,300 for four-unit homes.
Conversely, the maximum conventional loan amount available for a single-family home is $724,500. For duplexes, it's $927,500; triplexes have a limit of $1,121,150, and four-unit properties can secure up to $1,393,300.
Our FHA calculator is a valuable tool for assessing current FHA rates and for calculating downpayments, and understanding income, credit, reserves, and the required documents for qualification.
The Lendersa® calculator facilitates a detailed comparison of FHA rates and terms alongside various other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. It’s a comprehensive tool for exploring all your options.
With data sourced from thousands of lenders, Lendersa® evaluates these options in seconds, tailored to fit your distinct financial situation and needs.
For the year 2026, utilize the Loan Limits Comparison Table in Methuen-Town within Essex, MA to examine the maximum allowable amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For specifics on income, reserves, and credit requirements, try Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| USDA | $579,600 | $579,600 | $579,600 | $579,600 |
| VA | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| 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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