For 2026, in Middleton county of Essex, MA, the FHA loan limits are set as follows: $828,000 for a single-family home, $1,060,000 for properties with two units, $1,281,300 for three-unit residences, and $1,592,350 for those with four units.
The permissible amounts for conventional loans on a single-family residence are $828,000. For homes with two units, they are $1,060,000, for three units $1,281,300, and for those with four units, $1,592,350.
Use our FHA calculator to discover today’s leading FHA rates and assess the required downpayment, income, credit, reserves, and suitable documents needed for qualification.
The Lendersa® calculator is a tool for comparing FHA rates and terms against those of other available loan programs. Examine alternatives such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in addition to FHA.
Lendersa® aggregates data from thousands of lenders, synchronizing it with your personal financial needs within seconds.
The comprehensive Loan Limits Comparison Table for 2026 in Middleton county, Essex, MA, provides comparisons of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. To evaluate qualification needs like income, reserves, and credit, consider 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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