In 2026, the FHA loan limits in Newbury county, Essex, MA, are set at $828,000 for a single-family home. For 2-units, the limit is $1,060,000, for 3-units it's $1,281,300, and for properties with 4-units it reaches $1,592,350.
Regarding conventional loans, the maximum for a single-family residence is $828,000. For 2-units, it is $1,060,000, for 3-units it increases to $1,281,300, and for 4-units, it extends to $1,592,350.
Use our FHA calculator to uncover today’s best FHA rates and evaluate the downpayment, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator assists you in comparing the rates and terms of FHA loans against other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly gathers loan data from a multitude of lenders and aligns the comparisons to match your specific financial profile and needs.
Check out the Loan Limits Comparison Table for 2026 in Newbury county, Essex, MA, which compares maximum loan figures for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To explore qualification standards such as income, reserves, and credit, utilize 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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