In 2026, the FHA loan limits in Wilmington county, part of Middlesex, MA, are established as $828,000 for a single-family home. For 2-units, the limit is $1,060,000; for those with 3-units, it is $1,281,300; and for 4-units, the maximum is $1,592,350.
Regarding conventional loans, the maximum amount for a single-family dwelling is $828,000. For residences with 2-units, it's $1,060,000, for 3-units it rises to $1,281,300, and for 4-units, the cap is $1,592,350.
Utilize our FHA calculator to explore today’s top FHA rates and calculate required factors like downpayment, income, credit score, reserves, and necessary documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan packages. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
With data collected from thousands of lenders, Lendersa® quickly aligns it to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Wilmington county of Middlesex, MA facilitates a comparison across maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess further qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $828,000 | $1,060,000 | $1,281,300 | $1,592,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $828,000 | $1,060,000 | $1,281,300 | $1,592,350 |
| USDA | $675,000 | $675,000 | $675,000 | $675,000 |
| VA | $828,000 | $1,060,000 | $1,281,300 | $1,592,350 |
| 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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