For the year 2026, the FHA loan limit for North-Reading in the county of Middlesex, MA, is set at $724,500 for a single-family home, $927,500 for properties with two units, $1,121,150 for three-unit homes, and $1,393,300 for buildings with four units.
The maximum amount allowed for conventional loans on a single-family home is $724,500. For two units, the limit is $927,500, for three units it's $1,121,150, and for four units, it reaches $1,393,300.
Our FHA calculator is available to help you discover today's best FHA rates and determine necessary elements like downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator allows for a thorough comparison of FHA rates and terms with those of other loan programs. Investigate alternatives such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® consolidates loan program data from thousands of lenders and instantly aligns it with your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 for North-Reading in Middlesex, MA provides a detailed comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification criteria like income, credit, and reserves, utilize Lendersa®'s 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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