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Current FHA Mortgage Rates in Massachusetts : HSH.com's FHA/VA Showcase

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Massachusetts Mortgages

2018 FHA Loan Limits for Massachusetts

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For Massachusetts, 14 counties have an FHA loan limit that range from $294,515 to $679,650.

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.

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 2018 FHA loan limits for each county in Massachusetts are below.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Barnstable$431,250$552,050$667,350$829,350
Berkshire$294,515$377,075$455,800$566,425
Bristol$431,250$552,050$667,350$829,350
Dukes$679,650$870,225$1,051,875$1,307,175
Essex$603,750$772,900$934,250$1,161,050
Franklin$294,515$377,075$455,800$566,425
Hampden$299,000$382,750$462,650$575,000
Hampshire$299,000$382,750$462,650$575,000
Middlesex$603,750$772,900$934,250$1,161,050
Nantucket$679,650$870,225$1,051,875$1,307,175
Norfolk$603,750$772,900$934,250$1,161,050
Plymouth$603,750$772,900$934,250$1,161,050
Suffolk$603,750$772,900$934,250$1,161,050
Worcester$313,950$401,900$485,800$603,750