FHA Loan Limits in Massachusetts (2026)
For 2026, the FHA loan limit in most Massachusetts counties is $541,287 for a single-family home. 6 higher-cost Massachusetts counties carry larger limit, up to $1,249,125.
FHA loan limits by county in Massachusetts
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Middlesex County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Worcester County | $828,000 | $1,060,069 | $1,592,514 | High-cost |
| Essex County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Suffolk County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Norfolk County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Bristol County | $541,287 | $692,997 | $1,041,072 | Standard |
| Plymouth County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Hampden County | $541,287 | $692,997 | $1,041,072 | Standard |
| Barnstable County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hampshire County | $541,287 | $692,997 | $1,041,072 | Standard |
| Berkshire County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dukes County | $541,287 | $692,997 | $1,041,072 | Standard |
| Nantucket County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Massachusetts
FHA loans are popular with first-time buyers in Massachusetts because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Massachusetts for 2026?
- Most Massachusetts counties use the national FHA floor of $541,287 for a one-unit home. High-cost Massachusetts counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Massachusetts?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.