Massachusetts FHA Loans at a Glance: just 3.5% down · FICO from 580 · Boston-metro limit $962,550 · pairs with MassHousing DPA up to $30,000 · NMLS #1826020
Massachusetts FHA Home Loans · Direct Lender Since 1998

FHA Loans Massachusetts

Buy a Massachusetts home with as little as 3.5% down and a credit score from 580. In the Boston metro, FHA finances up to $962,550 (and the islands to the ceiling) – and it pairs with MassHousing down-payment help up to $30,000, plus the state’s iconic triple-decker house-hack.

  • 3.5% down with a 580+ FICO (10% down from 500-579)
  • Pair MassHousing DPA up to $30,000, or MassDREAMS up to $50,000
  • Boston metro $962,550; Martha’s Vineyard & Nantucket reach $1,249,125
  • Buy a 3-family up to $1,489,500, live in one, rent two
  • Gift funds welcome; seller can pay up to 6% of closing costs

Start My Massachusetts FHA Application →

Get Pre-Approved for a Massachusetts FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

★ 3.5% down★ 580 credit OK★ MassHousing DPA★ Triple-decker friendly★ First-time friendly★ Serving MA since 1998

Why an FHA loan works in Massachusetts

An FHA loan is a government-insured mortgage that helps Massachusetts buyers qualify with flexible credit, a low down payment and higher debt-to-income than conventional financing. In the high-cost Boston metro, FHA’s elevated limit keeps ownership possible.

Massachusetts has an iconic stock of two- and three-family homes, and FHA makes owner-occupied small-multifamily a mainstream first-timer strategy. Whether you are house-hacking a triple-decker in Worcester or buying near Lexington’s top schools, an FHA loan stacked with MassHousing help gets you to closing with less cash down. Start your application →

What it takes to qualify for a Massachusetts FHA loan

Down paymentAs little as 3.5% down if your score is 580 or higher; 10% down applies from 500-579
CreditA 580 minimum for the low-down program, and hands-on help for buyers still rebuilding
MIP (mortgage insurance)A one-time 1.75% upfront premium rolled into the loan, plus a small monthly premium (about 0.15%-0.55%)
DTI flexibilityRoom up to roughly 43%-50% of income when you have compensating factors or automated approval
Where the down payment can come fromSavings, a family gift, or an eligible down-payment-assistance program
Help from the sellerSellers may cover up to 6% of your closing costs on an FHA purchase
Eligible propertiesA Massachusetts single-family home, an FHA-approved condo or townhome, or a 2-4 unit you occupy
How you use itIt must be your primary residence – the home you live in
Adding a co-borrowerA non-occupant co-borrower such as a parent can be added to help you qualify

Massachusetts down payment assistance you can pair with FHA

Your FHA loan pairs with Massachusetts down-payment programs, some of the most generous in the Northeast:

MassHousing Down Payment Assistance

Up to $30,000 or 10% of the price as a second mortgage toward your down payment (typically around 2% over 15 years).

MassDREAMS grant

Up to $50,000 for first-time buyers in 29 disproportionately-impacted communities, paired with a MassHousing or ONE mortgage.

Who qualifies

First-time buyers around 640+ credit, within income limits and program guidelines.

ONE Mortgage (alternative)

A conventional 3%-down, no-PMI, subsidized program – often the strongest alternative if FHA is not the best fit.

Gift funds & seller credits

Combine gift funds and up to 6% in seller credits with FHA and MassHousing help to cut cash to close.

We match the program

We compare FHA plus DPA against ONE Mortgage to find your lowest cost of ownership.

Ask about MassHousing DPA – up to $30,000 (or $50,000 via MassDREAMS).
See If You Qualify

Assistance programs have income, price and funding limits, are first-come while funds last, and are subject to change and eligibility. We confirm what you qualify for.

Ready to see how much home you can buy in Massachusetts with 3.5% down? Get pre-approved today.
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2026 Massachusetts FHA loan limits by county

FHA loan limits are set by county. The Boston metro runs high, the islands hit the ceiling, and the western counties are at the floor:

Boston metro – Suffolk, Middlesex, Norfolk, Essex, Plymouth (1-unit)$962,550 (3-unit up to $1,489,500 – powerful for owner-occupied house-hacking)
Dukes – Martha’s Vineyard & Nantucket (1-unit)$1,249,125 – the national ceiling
Barnstable – Cape Cod / Bristol (1-unit)about $828,000 / $787,750
Worcester County (1-unit)$545,100
Western counties – Hampden, Hampshire, Franklin, Berkshire (1-unit)$541,287

2026 one-unit FHA limits set annually by HUD; 2-4 unit limits are higher. We confirm the exact limit for your Massachusetts county before you write an offer.

First-time buyer, family, or 55+ mover – we have a Massachusetts FHA program for you.
Start My Application
Buy a Massachusetts home with an FHA loan - apply nowYour Massachusetts home is closer than you think →

Why buyers choose FHA in Massachusetts

  • Put down just 3.5% and keep your savings intact
  • Qualify from a 580 score with practical, human underwriting
  • Cover the down payment with gifts or MassHousing help
  • Finance a house, condo or an owner-occupied 2-4 unit
  • Lower your rate down the road with an FHA Streamline

Get My FHA Pre-Approval →

Massachusetts FHA payment & affordability calculators

Estimate your Massachusetts FHA payment, cash to close and price range below. These tools are for planning only; apply to get your real numbers.

1. FHA monthly payment

Estimate your full monthly payment including FHA mortgage insurance.

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Total monthly payment
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Principal, interest & MIP

2. Down payment & cash to close

See your down payment and estimated cash after seller credits.

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Estimated cash to close
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Down payment amount

3. How much home can I afford?

Estimate your FHA price range from income and monthly debts.

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Estimated home price
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Max housing payment

4. FHA loan amount + MIP

See your base loan plus the 1.75% upfront MIP financed in.

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Total financed (with UFMIP)
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Base loan / 1.75% UFMIP

Estimates only and not a commitment to lend. FHA charges 1.75% upfront MIP (financed) plus a monthly annual premium (~0.55% here for illustration). Actual figures depend on your property, credit and qualification.

Stack MassHousing help with FHA - up to $30,000.
See If I Qualify

FHA loans across Massachusetts - cities we serve

We have financed FHA purchases and refinances across Massachusetts since 1998. Here are some of the markets we serve:

  • Boston
  • Worcester
  • Springfield
  • Cambridge
  • Lowell
  • Quincy
  • Brockton
  • Lynn
  • New Bedford
  • Fall River
  • Framingham
  • Newton
  • Somerville
  • Lawrence
  • Haverhill
  • Malden
  • Medford
  • Taunton
  • Chicopee
  • Salem

Do not see your city? Start your application → - we lend statewide across Massachusetts.

Top Massachusetts school districts & family towns

Great schools support both your kids and your resale value. Here are some of the top-rated Massachusetts districts and towns:

Weston

One of the very top districts in Massachusetts, west of Boston.

Lexington

Nationally ranked schools in a historic suburb.

Wellesley

Elite schools with strong resale west of the city.

Dover-Sherborn

Small, top-rated regional district.

Concord-Carlisle

Highly regarded MetroWest schools.

Winchester

Sought-after district north of Boston.

Massachusetts 55+ & active-adult communities

An FHA loan can buy a home in a Massachusetts 55+ community (any condo must be FHA-approved). Some of the most popular:

Del Webb Chauncy Lake (Westborough)

Popular MetroWest active-adult community.

Del Webb North Reading

Amenity-rich 55+ living north of Boston.

Del Webb Sudbury

Active-adult neighborhood in a desirable MetroWest town.

Regency communities (statewide)

Toll Brothers active-adult neighborhoods across the state.

Active-adult sections (Cape Cod)

55+ options near the coast in Barnstable County.

Condominium communities (metro)

FHA-approved 55+ condos with low upkeep.

Ready to buy in Massachusetts? Start here

From a first condo to a move-up house in a top Massachusetts school zone or a 55+ community, we pair you with the right FHA program and a same-week pre-approval - 3.5% down.

  • Pre-approval in days, not weeks
  • Stack Massachusetts assistance and family gift funds
  • A direct FHA lender serving buyers since 1998

Apply for My Massachusetts FHA Loan →

Apply for your Massachusetts FHA home loanGet pre-approved with 3.5% down →

FHA loan programs available in Massachusetts

Buy with FHA

Purchase a Massachusetts house, condo or owner-occupied 2-4 unit for as little as 3.5% down.

Streamline refinance

Trim your rate or payment on an existing FHA loan with light docs and usually no appraisal.

203(k) rehab loan

Finance the purchase and the renovations of a fixer-upper in a single FHA loan.

Cash-out refinance

Pull Massachusetts equity out, up to FHA limits, for improvements or other needs.

Condo financing

FHA loans for units in approved Massachusetts condo projects, or single-unit spot approval.

Stack down-payment help

Layer Massachusetts assistance and gift funds on your FHA loan to lower your cash to close.

Massachusetts 2027 housing & FHA outlook

A few Massachusetts trends worth watching as you plan a 2027 purchase:

The triple-decker house-hack

MA's two- and three-family stock lets buyers finance a 3-unit up to $1,489,500 in Greater Boston, live in one and rent two - projected rents can help you qualify.

Prices keep climbing

The state median is projected toward roughly $655K by 2027, with Worcester and Springfield revitalizing.

Tight, seller-tilted market

Persistent low inventory keeps competition high even as the Affordable Homes Act slowly adds supply.

Sales expected to rise

Home sales are projected up in 2027 despite constrained supply - being pre-approved matters.

Outlook only, not a guarantee or financial advice. Market conditions change; we give you current, personalized numbers when you apply.

Your Massachusetts FHA loan, step by step

Start your pre-approval

A few minutes online tells you your price range, rate and 3.5%-down payment.

Shop with an edge

Make offers in the Massachusetts town and school zone you want, backed by a real pre-approval.

Appraisal & approval

We manage the FHA appraisal and underwriting, staying flexible on credit and gift funds.

Get your keys

Close on your Massachusetts home and start building equity from day one.

Frequently asked Massachusetts FHA questions

What are the 2026 FHA loan limits in Massachusetts?

The Boston metro (Suffolk, Middlesex, Norfolk, Essex, Plymouth) is $962,550 for a one-unit home; Martha's Vineyard and Nantucket reach the $1,249,125 ceiling. Barnstable (Cape Cod) is around $828,000, Worcester $545,100, and the four western counties are at the $541,287 floor.

Can I buy a two- or three-family in Massachusetts with FHA?

Yes - it is one of the smartest strategies here. In Greater Boston, FHA finances a 3-family up to $1,489,500 with 3.5% down if you live in one unit, and projected rents from the other units can help you qualify. DPA can stack on top.

What is the minimum down payment on a Massachusetts FHA loan?

3.5% of the price when your score is 580+, or 10% between 500 and 579. Gift funds and approved down-payment assistance can cover much of it.

Do FHA condos have to be approved in Massachusetts?

Yes - the condo project needs to be FHA-approved, though we can pursue single-unit spot approval on many buildings. We verify your specific property.

Is FHA good for a first-time buyer in Massachusetts?

It is often the best fit - low 3.5% down, a 580 credit floor, gift funds allowed, and it stacks with MassHousing down-payment assistance for even less cash to close.

Are you an actual FHA lender?

Yes - CambridgeHomeLoan.com is a direct lender (NMLS #1826020) that has served homebuyers since 1998, guiding you from application through closing.

Start your Massachusetts FHA loan

A few minutes online gets you pre-approved: 3.5% down, a 580 credit floor, and Massachusetts down-payment help welcome. We have served Massachusetts homebuyers since 1998.

Get Pre-Approved for a Massachusetts FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

Start My Application →

Serving Massachusetts homebuyers Since 1998!
© 2026 CambridgeHomeLoan.com  ·  NMLS #1826020  ·  4830 W Kennedy Blvd, Tampa, FL 33609  ·  (800) 826-5077  ·  Equal Housing Lender  ·  NMLS Consumer Access

Rates, terms, FHA loan limits and program guidelines are for 2026, subject to change, and depend on the property, credit and qualification. Not a commitment to lend. This is not a government agency. Equal Housing Lender.


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