Middlesex County, MA (01801) 2024 FHA Loan Limits

FHA and conventional Loan limits vary based on the number of living-units on the property. FHA loans are only allowed on 1 to 4 living-unit properties. These 1 to 4 unit properties can be purchased with an FHA loan as long as the owner occupies one of the unit. Properties with over 4 units are considered commercial and do not quality for FHA or conventional loans.

Loan Limit Summary

Limits for FHA Loans in Middlesex County, Massachusetts range from $862,500 for 1 living-unit homes to $1,658,700 for 4 living-units. Conventional Loan Limits in Middlesex County are $862,500 for 1 living-unit homes to $1,658,700 for 4 living-units. The 2024 Home Equity Conversion Mortgage (HECM) limits in Middlesex County is $1,149,825. HECM limit does not depend on the size of the home.

How to qualify for an FHA Loan in Middlesex County, Massachusetts?

The minimum loan amount in Middlesex County is $5,000 dollars and may go up to $1,658,700 depending on home size and loan type. In order to qualify for an FHA loan, you must be planning to live in the home. Although a loan can include some renovation costs, FHA loans cannot be used for real estate investments in Middlesex County.

Additionally, your loan amount cannot exceed the value of home you are purchasing. Learn more about FHA Loan Requirements.

Cities and ZIP Codes in Middlesex County

The FHA Limits, VA Loan Limits, HECM Loan Limits, and Conforming Loan Limits listed on this page apply to Middlesex County, Massachusetts which includes the following cities: Malden, Medford, Woburn, Marlborough, Everett, Natick, Framingham, Billerica, Dracut, Watertown, Cambridge, Tewksbury, Lowell, Melrose, Chelmsford, Arlington, Wakefield, Burlington, Reading, Belmont, Westford, Wilmington, Waltham, Winchester, Acton, Stoneham, Somerville, Hudson, Sudbury, Newton Center, Lexington, Concord, Ashland, North Reading, Hopkinton, Chestnut Hill, Holliston, Wayland, Bedford, Newton, Tyngsboro, West Newton, Pepperell, Weston, Groton, Maynard, North Billerica, Littleton, Newtonville, North Chelmsford, Townsend, Newton Highlands, Stow, Ayer, Auburndale, Waban, Shirley, Lincoln, Boxborough, Carlisle, Sherborn, Dunstable, Ashby, Newton Upper Falls, West Townsend, Hanscom Afb, Newton Lower Falls, Village of Nagog Woods, Devens, West Groton, Woodville, Nutting Lake, Pinehurst, West Medford, Boston, North Waltham, New Town, Arlington Heights, Waverley, and Nonantum.

Middlesex County loan limits also apply to the following ZIP codes: 2148, 2155, 1801, 1752, 2149, 1760, 1701, 1821, 1826, 2472, 2139, 1876, 1852, 1851, 1702, 2176, 1824, 2474, 1880, 1803, 2138, 1867, 2478, 1886, 1887, 2453, 1890, 1720, 2180, 2145, 2143, 2144, 1854, 1749, 1776, 2459, 2421, 1742, 1721, 2451, 2476, 2140, 1864, 2420, 1748, 2467, 1746, 1778, 1730, 1850, 2458, 1879, 2465, 1463, 2493, 2452, 1450, 1754, 2141, 1862, 1460, 2460, 1863, 1469, 2461, 1775, 1432, 2466, 2468, 1464, 1773, 1719, 1741, 1770, 1827, 1431, 2464, 2142, 1474, 1731, 1853, 2462, 1718, 2238, 2454, 1434, 1470, 1471, 1472, 1703, 1704, 1705, 1784, 1805, 1807, 1813, 1815, 1822, 1865, 1866, 1888, 1889, 2153, 2156, 2212, 2455, 2456, 2471, 2475, 2477, 2479, and 2495.