Massachusetts mortgage guides
Plain-English articles on Massachusetts home financing, MassHousing programs, loan limits, and the real numbers that move a deal. Written by Mike Certo, NMLS #260555.
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Loan limits ·
The Boston loan limit is $962,550, not $1.25 million. Here is why that matters.
The 2026 Boston-metro conforming and FHA limit is $962,550, not the ceiling most sites quote. Only the islands hit $1,249,125. What it means for buyers near the line.
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More Massachusetts guides are on the way. In the meantime, the first-time buyer guide and the down payment assistance guide cover the essentials.