For the year 2026, the FHA loan limits in Worcester county, which is in Worcester, MA, are as follows: $472,030 for single-family residences, $604,400 for duplexes, $730,525 for tri-plexes, and $907,900 for four-plexes.
When it comes to conventional loans, the upper limits for a single-family home stand at $726,200. For two-unit properties, the limit increases to $929,850, for three-unit homes, it goes up to $1,123,900, and for four-unit properties, the maximum is $1,396,800.
To view the most current FHA rates available today and to calculate what down payment, income, credit score, reserves, and documents are required for qualification, please make use of our FHA calculator.
With the Lendersa® tool, you have the ability to compare the rates and terms of FHA loans with all other types of loan programs available. This includes Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans options alongside FHA.
Lendersa® collects information on loan programs from a vast number of lenders and quickly matches it to your personal financial circumstances and necessities.
The Loan Limits Comparison Table for 2026 for Worcester county situated in Worcester, MA helps you to compare maximum loan amounts for various loan types such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and hard money. To explore and contrast qualification requirements like income, reserves, and credit, utilize 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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