As of 2026, the FHA loan limits for Shirley county, located in Middlesex, MA, stand at $828,000 for a single-family residence. For properties with 2-units, the ceiling is $1,060,000. The limit extends to $1,281,300 for 3-unit buildings, and to $1,592,350 for homes with 4-units.
The highest loan amount available for conventional loans on a single-family home is set at $828,000. For 2-unit structures, it's $1,060,000, for those with 3-units, it's $1,281,300, and for 4-unit properties, it goes up to $1,592,350.
Use our FHA calculator to determine the best FHA rates available today and assess the required downpayment, income, credit, reserves, and necessary documentation for qualification.
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Refer to the Loan Limits Comparison Table for 2026 in the county of Shirley, Middlesex, MA. This table compares maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria like 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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