In 2026, FHA loan limits in Spencer county, within Worcester, MA, are set at $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for properties with three units, and $907,900 for four-unit buildings.
The maximum loan allowable for conventional loans is $726,200 for a single-family dwelling, $929,850 for two-unit homes, $1,123,900 for three-unit residences, and $1,396,800 for four-unit properties.
Use our FHA calculator to examine today’s best FHA rates and assess the necessary downpayment, income, credit score, reserves, and required documents for qualification.
Lendersa® calculator allows you to compare FHA rates and terms with those of various other loan programs. Investigate options, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles extensive loan program data from thousands of lenders, swiftly aligning it with your distinctive financial profile and specific needs.
Consult the Loan Limits Comparison Table for 2026 in Spencer county, Worcester, MA, to view the upper loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating qualifications like income, reserves, and credit, consider the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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