2026 loan limits in Middlesex County, Massachusetts
In Middlesex County, a conventional loan up to $962,550 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $962,550.
Conforming limit (1 unit)$962,550High-cost county
FHA limit (1 unit)$962,550High-cost county
Highest price, 20% down, conforming$1,203,188Loan at the limit
Highest price, 3.5% down, FHA$997,461Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $962,550 | $962,550 |
| 2 units | $1,232,250 | $1,232,250 |
| 3 units | $1,489,500 | $1,489,500 |
| 4 units | $1,851,100 | $1,851,100 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,203,188 in Middlesex County and stay conforming; with 10% down, about $1,069,500. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $997,461.
Questions
What is the 2026 conforming loan limit in Middlesex County?
$962,550 for a one-unit home.
What is the 2026 FHA loan limit in Middlesex County?
$962,550 for a one-unit home.
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2026 limits from HUD’s county files (Boston-Cambridge-Newton, Ma-Nh). Conforming limits are set by the Federal Housing Finance Agency.