In 2026, the FHA loan limits for properties in Whitinsville within Worcester, MA, are set at $472,030 for a single-family home. For a duplex, the limit is $604,400; for a triplex, it's $730,525; and for four-unit structures, it reaches $907,900.
The ceiling for conventional loans on a single-family residence is $726,200. For 2-units, that cap increases to $929,850; for 3-units, it is $1,123,900; and for 4-units, it extends to $1,396,800.
Utilize our FHA calculator today to check the best FHA rates available and determine what downpayment, income, credit, reserves, and documentation are necessary to qualify.
The Lendersa® calculator lets you directly compare the rates and terms of FHA loans alongside various other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from a myriad of lenders, enabling a swift comparison that aligns with your unique financial profile and requirements.
Refer to the Loan Limits Comparison Table for 2026 in Whitinsville, Worcester, MA to review the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To examine qualification prerequisites like income, reserves, and credit, leverage 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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