For 2026, the FHA loan limits in Swampscott, located in the county of Essex, MA, stand at $828,000 for a single-family home, $1,060,000 for two units, $1,281,300 for three-unit homes, and $1,592,350 for properties with four units.
The maximum amounts for conventional loans are $828,000 for single-family residences, $1,060,000 for duplexes, $1,281,300 for triplexes, and $1,592,350 for four-unit buildings.
Use our FHA calculator to access today's top FHA rates and learn about the necessary downpayment, income, credit requirements, reserves, and documents needed for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms against other loan programs. Review options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® sources loan data from thousands of lenders and quickly aligns it with your financial profile and needs.
View the Loan Limits Comparison Table for 2026 in Swampscott county, Essex, MA, which evaluates maximum loans for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification standards 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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