In 2026, the FHA loan limit in Winthrop, within Suffolk, MA, is set at $828,000 for a single-family home, $1,060,000 for two-unit properties, $1,281,300 for three units, and $1,592,350 for four units.
For conventional loans, the maximum amount is $828,000 for a single-family residence, $1,060,000 for two units, $1,281,300 for three units, and $1,592,350 for four units.
Utilize our FHA calculator to find today’s most favorable FHA rates and determine what downpayment, income, credit, reserves, and documents are necessary for qualification.
The Lendersa® calculator allows you to evaluate FHA rates and terms alongside those of other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accumulates loan data from thousands of lenders and quickly aligns it with your unique financial requirements and profile.
The Loan Limits Comparison Table for 2026 in Winthrop, Suffolk, MA, lets you compare the highest loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification based on 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 | $0 | $0 | $0 | $0 |
| 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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