In 2026, within the county of Upton, which falls under Worcester, MA, the FHA loan limits are defined as follows: $472,030 for a single-family home. When considering 2-unit setups, the limit is $604,400, for 3-unit properties, it becomes $730,525, and the allowance for 4-units is $907,900.
The cap on conventional loan amounts for a single-family residence has been set at $726,200. For those with dual units, the boundary is $929,850, while 3-unit accommodations reach $1,123,900, and 4-units extend to a maximum of $1,396,800.
Make use of our FHA calculator to see the best FHA rates accessible today and calculate what downpayment, income, credit score, reserves, and documentation you will need to qualify.
The Lendersa® calculator equips you to evaluate FHA rates and terms in parallel with other loan program offerings. This includes exploring and comparing options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in addition to FHA.
Lendersa® gathers comprehensive loan program data from a vast array of lenders, and within seconds, provides a comparison matched to your specific financial profile and necessities.
The Loan Limits Comparison Table for 2026 in Upton, located in the county of Worcester, MA, allows you to examine maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare eligibility requirements like income, reserves, and credit scores, make use of 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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