Massachusetts Conventional Loan Limits by County

Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County1 UnitDuplexTriplexFourplex
BARNSTABLE$424,100$543,000$656,350$815,650
BERKSHIRE$424,100$543,000$656,350$815,650
BRISTOL$426,650$546,200$660,200$820,500
DUKES$636,150$814,500$984,525$1,223,475
ESSEX$598,000$765,550$925,350$1,150,000
FRANKLIN$424,100$543,000$656,350$815,650
HAMPDEN$424,100$543,000$656,350$815,650
HAMPSHIRE$424,100$543,000$656,350$815,650
MIDDLESEX$598,000$765,550$925,350$1,150,000
NANTUCKET$636,150$814,500$984,525$1,223,475
NORFOLK$598,000$765,550$925,350$1,150,000
PLYMOUTH$598,000$765,550$925,350$1,150,000
SUFFOLK$598,000$765,550$925,350$1,150,000
WORCESTER$424,100$543,000$656,350$815,650
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