FHA Loan Limits in Massachusetts (MA)
The Commonwealth of Massachusetts is one of the most densely poputed states in the nation. If you own a home there and are investigating your refinancing options then consider an FHA refinance loan. If you are purchasing a new home in Massachusetts then you will want to look into the various FHA mortgage programs available to you.
FHA loans are insured by the federal government so lenders who make these loans are willing to take on more risk. They do this by relaxing the credit guidelines on FHA mortgage and refinance loans so that more people can qualify than would qualify for a traditional mortgage. An added benefit of FHA loans is that the down payments required are often as low as 3.5% making home ownership more reachable for many.
The maximum loan amount that can be borrowed under an FHA loan program varies by Massachusetts county as well as the number of units on the property. Refer to the information below to determine the FHA loan limits that apply to your particular MA county.
Massachusetts FHA Loan Limits by County
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 462500 | 592050 | 715700 | 889450 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 271050 | 347000 | 419425 | 521250 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 475000 | 608100 | 735050 | 913450 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 729750 | 934200 | 1129250 | 1403400 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 523750 | 670500 | 810450 | 1007200 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 318750 | 408050 | 493250 | 613000 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 318750 | 408050 | 493250 | 613000 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 318750 | 408050 | 493250 | 613000 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 523750 | 670500 | 810450 | 1007200 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 729750 | 934200 | 1129250 | 1403400 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 523750 | 670500 | 810450 | 1007200 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 523750 | 670500 | 810450 | 1007200 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 523750 | 670500 | 810450 | 1007200 |
| Number of Units in property: | 1 Unit | 2 Units | 3 Units | 4 Units |
| FHA Loan Limits: | 385000 | 492850 | 595750 | 740400 |