For the year 2026, the FHA loan limits applicable in the county of Middlesex, which includes Sherborn, MA, 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 dwellings, and $1,592,350 for buildings accommodating four units.
Similarly, when considering conventional loans on a single-family residence, the maximum loan amount permitted is $828,000. For homes with two units, the limit is $1,060,000. If you own a triplex, the limit increases to $1,281,300, and for four-unit properties, the threshold is $1,592,350. These limits are critical in determining the financing options available to homeowners and investors alike.
To access today’s most competitive FHA rates and to calculate the needed downpayment, income criteria, credit specifications, reserves, and requisite documentation necessary for qualification, utilize our FHA calculator. This tool is designed to help streamline your decision-making process.
With the Lendersa® calculator, you have the ability to compare the rates and terms of FHA loans against a comprehensive suite of other loan programs. This includes conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans, allowing for a broad spectrum of financial products to evaluate and consider. This variety offers flexibility and insight into which loan type best suits your financial scenario.
By acquiring extensive loan program data from an expansive network of thousands of lenders, Lendersa® enables rapid and precise comparisons that contrast your unique financial profile and specific needs with available lender offerings.
The Loan Limits Comparison Table, pertinent to the year 2026, within Sherborn, Middlesex, MA, provides a valuable framework for reviewing and comparing the maximum allowable loan amounts across a diverse array of options: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To effectively assess and compare qualification requirements such as income levels, reserve amounts, and creditworthiness, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This tool is essential for a thorough analysis and comparison to ensure that you make informed decisions tailored to your financial needs.
| 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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