For 2026, the FHA loan limit in Saugus county of Essex, MA stands at $828,000 for a single-family home. The limit for 2-units is $1,060,000, for 3-units it's $1,281,300, and for 4-units, it's $1,592,350.
Conventional loans have a maximum amount per single-family residence of $828,000, for 2-units it is $1,060,000, for 3-units it's $1,281,300, and $1,592,350 for 4-units.
Use our FHA calculator to find today's optimal FHA rates and determine requirements such as downpayment, income, credit, reserves, and necessary documentation for qualification.
The Lendersa® calculator lets you compare FHA rates & terms with other loan programs. Explore options for Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
By accessing data from thousands of lenders, Lendersa® rapidly compares it against your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Saugus county of Essex, MA allows you to review maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess additional qualification criteria like income, reserves, and credit.
| 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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