In 2026, the FHA loan limit in Reading county, situated in Middlesex, MA, is defined as $828,000 for a single-family home. For properties with 2-units, it is $1,060,000, for 3-units it becomes $1,281,300, and for 4-units, the limit is $1,592,350.
The cap for conventional loans on a single-family residence is set at $828,000. When it comes to 2-units, it's $1,060,000; for 3-units, $1,281,300; and for 4-units, it stands at $1,592,350.
Utilize our FHA calculator to discover today's leading FHA rates and to identify the necessary downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with those of other loan programs. Discover options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all alongside FHA.
Lendersa® rapidly gathers loan program data from thousands of lenders, instantly aligning it with your unique financial circumstances and needs.
In 2026, the Loan Limits Comparison Table for Reading county of Middlesex, MA, allows for an assessment of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To compare qualification criteria such as income, reserves, and credit, employ 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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