During 2025, the FHA loan limits for Watertown-Town county in Middlesex, MA, are specified as follows: $724,500 for a one-family home, $927,500 for two-unit dwellings, $1,121,150 for three-unit properties, and $1,393,300 for those with four units.
For conventional loans, the cap for a single-family residence is $724,500. Two-unit homes have a limit of $927,500, those with three-units are limited to $1,121,150, and for four-unit properties, the cap is $1,393,300.
Explore today's optimal FHA rates using our convenient calculator, which also helps you identify the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator is a powerful tool for comparing FHA rates and terms against those of other loan programs. Delve into options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, all alongside FHA.
Lendersa® efficiently gathers extensive data from thousands of lenders, providing swift comparisons tailored specifically to your unique financial profile and individual needs.
The Loan Limits Comparison Table for 2025 within Watertown-Town county of Middlesex, MA, allows for the evaluation of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For assessing qualification criteria like income, reserves, and credit expectations, use Lendersa®’s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| USDA | $579,600 | $579,600 | $579,600 | $579,600 |
| VA | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| 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 |
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
