Massachusetts's 2026 FHA loan limit starts at the national standard of $541,287 for a 1-unit property. Select high-cost Massachusetts counties allow more, up to $1,249,125 based on local home prices. The pricer above is preset to Boston.

FHA technically allows 500 FICO with 10% down or 580 FICO with 3.5% down. Most lenders impose a 580 overlay at 3.5% down. Some wholesale lenders go below this; the pricer shows live rates for your FICO bracket.

3.5% with 580+ FICO. On a $500,000 home that's $17,500 down. Massachusetts has down payment assistance programs that can cover some or all of this - see the DPA page.

Yes if the condo project is on the FHA-approved list. Project approval is a separate process; if your target project is not approved, an FHA-approved alternative project in Boston may be available. Single-family detached is always eligible.

No. FHA loan rates are uniform nationally - lenders do not adjust pricing by state. What varies is property taxes, insurance, and DPA - which affect total payment but not interest rate.

Yes. The Loan Factory $2,000 Best Price Guarantee covers qualifying fixed-rate FHA loans of $200,000+ in Massachusetts. Program rules apply.