In the year 2025, the designated FHA loan limits for Westfield within Hampden, MA, stand at $472,030 for a single-family property. For duplexes, the limit reaches $604,400, while triplexes are capped at $730,525, and for four-unit dwellings, the amount stretches to $907,900.
The ceiling for conventional loan amounts on single-family homes is set at $726,200. For two units, this amount increases to $929,850, rising to $1,123,900 for a residence with three units, and finally, it peaks at $1,396,800 for properties with four units.
To evaluate the optimum FHA rates available today and to compute the necessary downpayment, plus assess your income, creditworthiness, reserves, and documentation needed to qualify, rely on our FHA calculator.
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The Lendersa® calculator is an invaluable tool that facilitates the comparison of FHA loan rates and conditions in relation to other available loan programs. These include Conventional loans, Jumbo loans, VA, USDA, Non-QM loans, and hard money loans, ensuring a comprehensive comparison landscape.
Lendersa® acquires data from an extensive pool of lenders, providing rapid and tailored comparisons that align with your individual financial profile and needs.
Utilize the Loan Limits Comparison Table for 2025 located in Westfield within Hampden, MA to juxtapose the maximal loan values between FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money offerings. For a thorough comparison of qualification criteria such as income, reserve funds, and credit requirements, consult 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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