Cambridge, MA Mortgage Rates
Live Mortgage Rates in Cambridge, Massachusetts
6.490%
Cambridge Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 1:53 PM UTC
Sourced live from hundreds of wholesale lenders serving Cambridge and Massachusetts
Cambridge Benchmark Rates
Lowest available rate with no discount points paid in Cambridge, MA for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Cambridge, MA | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Cambridge, MA | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Cambridge, MA | 5.990% | 6.020% |
2026 Loan Limits in Massachusetts
Conforming
$832,750 baseline
High-cost Massachusetts counties go up to $1,249,125 - Cambridge may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Massachusetts counties allow more, up to $1,249,125 - check your specific county.
About Cambridge Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Cambridge, Massachusetts homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Massachusetts and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Cambridge property.
Your specific Cambridge rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Massachusetts lender network, use the Rate Direct pricer.
Cambridge buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Massachusetts, see the Massachusetts DPA guide.
Get your personalized Cambridge mortgage rate
The rates above are the market benchmark for Cambridge. Your actual rate depends on your scenario.