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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in MA - Massachusetts FHA Mortgage

Massachusetts Mortgages

2024 FHA Loan Limits for Massachusetts

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Massachusetts are below.

Select County
County Name One Family Two Family Three Family Four Family
Barnstable One Family$799,250 Two Family$1,023,200 Three Family$1,236,800 Four Family$1,537,050
Berkshire One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bristol One Family$736,000 Two Family$942,200 Three Family$1,138,900 Four Family$1,415,400
Dukes One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Essex One Family$914,250 Two Family$1,170,400 Three Family$1,414,750 Four Family$1,758,200
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hampden One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hampshire One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Middlesex One Family$914,250 Two Family$1,170,400 Three Family$1,414,750 Four Family$1,758,200
Nantucket One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Norfolk One Family$914,250 Two Family$1,170,400 Three Family$1,414,750 Four Family$1,758,200
Plymouth One Family$914,250 Two Family$1,170,400 Three Family$1,414,750 Four Family$1,758,200
Suffolk One Family$914,250 Two Family$1,170,400 Three Family$1,414,750 Four Family$1,758,200
Worcester One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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