In the year 2026, FHA loan limits in Topsfield county of Essex, MA, are $828,000 for single-family homes. For properties with 2-units, the limit set is $1,060,000, for 3-units it's $1,281,300, and for 4-units the cap reaches $1,592,350.
Concerning conventional loans, the maximum allowed for a single-family residence is $828,000. For 2-units, it expands to $1,060,000; for 3-units, it is set at $1,281,300; and for 4-units, it goes up to $1,592,350.
Use our FHA calculator to find the best available FHA rates and determine required downpayment, income, credit score, reserves, and documentation to qualify.
The Lendersa® calculator equips you to directly contrast FHA rates and terms with those of various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, for comprehensive comparisons.
Lendersa® efficiently sources loan data from a vast network of lenders and aligns it quickly with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Topsfield county of Essex, MA, enables comparisons of various loan types including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualifications like income, reserves, and credit requirements, 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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