Massachusetts 2020 FHA Loan Limits

Last Updated: Tue, August 18, 2020

Loan Limits in Massachusetts

Massachusetts has 14 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Berkshire County to a high of $1,472,550 for a 4-bedroom unit in Dukes County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Massachusetts's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($638,100)
Highest Loan Limit ($1,472,550)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Massachusetts (14 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Barnstable County $471,500 $906,750 view details »
Berkshire County $331,760 $638,100 view details »
Bristol County $460,000 $884,600 view details »
Dukes County $765,600 $1,472,550 view details »
Essex County $690,000 $1,326,950 view details »
Franklin County $331,760 $638,100 view details »
Hampden County $331,760 $638,100 view details »
Hampshire County $331,760 $638,100 view details »
Middlesex County $690,000 $1,326,950 view details »
Nantucket County $765,600 $1,472,550 view details »
Norfolk County $690,000 $1,326,950 view details »
Plymouth County $690,000 $1,326,950 view details »
Suffolk County $690,000 $1,326,950 view details »
Worcester County $339,250 $652,400 view details »

How to qualify for an FHA Loan in Massachusetts?

To qualify for an FHA loan in Massachusetts, your home loan must be below the local FHA loan limits in your area. For 2020, the maximum loan limit in Massachusetts is $331,760 for a single-family home and $1,472,550 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Massachusetts. Additional restricts apply. Click on the Massachusetts map above or the table below to see loan limits in your area.

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