For 2026, FHA loan limits in Somerville county, MA are set at $828,000 for a single-family home, $1,060,000 for two-unit properties, $1,281,300 for three-unit homes, and $1,592,350 for four-unit buildings.
The maximum conventional loan amounts for a single-family residence is $828,000, going up to $1,060,000 for two units, $1,281,300 for three units, and finally $1,592,350 for four units.
Use our FHA calculator to view current FHA rates and determine the necessary downpayment, income, credit, reserves, and documents required for qualification.
Explore loan offers from over 100 lenders to find the best fit for you.
The Lendersa® calculator assists you in comparing FHA rates and terms against other loan programs. Assess options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans as well.
By accessing thousands of lenders' data, Lendersa® swiftly aligns it with your financial profile, offering comparison results in seconds.
Check the Loan Limits Comparison Table for 2026 in Somerville, county Middlesex, MA, comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To assess qualification requirements such as income, reserves, and credit, use 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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