During 2026, 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 2026 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 |
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