Massachusetts FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in Massachusetts

Massachusetts has 14 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Berkshire County to a high of $1,397,400 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 ($605,525)
Highest Loan Limit ($1,397,400)

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

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. The maximum loan limit in Massachusetts is $1,397,400 for a 4 living-unit home. 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. FHA loans cannot be used for real estate investment purposes or "flipping" homes in Massachusetts. Click on the Massachusetts map above or the table below to see loan limits in your area.

Loan Limits by County in Massachusetts (14)

County Lowest Loan Limit Highest Loan Limit
Barnstable County $458,850 $882,400 view loan limits »
Berkshire County $314,827 $605,525 view loan limits »
Bristol County $454,250 $873,550 view loan limits »
Dukes County $726,525 $1,397,400 view loan limits »
Essex County $688,850 $1,324,750 view loan limits »
Franklin County $314,827 $605,525 view loan limits »
Hampden County $318,550 $612,600 view loan limits »
Hampshire County $318,550 $612,600 view loan limits »
Middlesex County $688,850 $1,324,750 view loan limits »
Nantucket County $726,525 $1,397,400 view loan limits »
Norfolk County $688,850 $1,324,750 view loan limits »
Plymouth County $688,850 $1,324,750 view loan limits »
Suffolk County $688,850 $1,324,750 view loan limits »
Worcester County $327,750 $630,300 view loan limits »

** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/massachusetts