FHA VS Conventional loan programs in Boston, Suffolk County, Massachusetts

In 2025, the loan limit for a Conventional mortgage in Boston, part of Suffolk County, MA, is set at $828,000. In contrast, the FHA limit for a single-family home is $828,000, offering clear guidelines for prospective buyers.

Utilize the Lendersa® Conventional loan calculator to explore and compare the best available rates today among Conventional, FHA, and USDA loans. Confirm the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, helping you determine which program in MA suits your financial situation best.

Explore loan offers from over 100 lenders

2025 Loan Limits and Down Payment Requirements in Boston, Suffolk County, MA

Loan Type Loan Limit Down Payment
Conventional Conforming $828,000 3%
USDA $0 0%
FHA $828,000 3.5%

This table is applicable to the following zip codes: 02120, 02121, 02122, 02124, 02125, 02126, 02127, 02128, 02129, 02467, 02210, 02215, 02119, 02118, 02111, 02110, 02113, 02115, 02114, 02116, 02199, 02134, 02136, 02135, 02132, 02131, 02130, 02203, 02163, 02152, 02108, 02109, 02112, 02117, 02123, 02133, 02137, 02196, 02201, 02205, 02206, 02211, 02212, 02217, 02222, 02241, 02266, 02283, 02284, 02293, 02297, 02298, 02455

Exploring Conventional and FHA Loan Options in Boston, MA

The aim of Lendersa® is to efficiently help you secure the best possible Conventional, USDA, or FHA loan without hassle. Select one of three pathways that lead to matched lenders and suitable loan programs.

Results for Lendersa USDA loan requests and matches


  • Barry Rabinovitz - Classic Homes Real Estate
  • 12 Beach St, Quincy, MA, 02170
  • Classic Homes Real Estate is a well established (over 33 yrs), successful, independently owned and operated full service residential real estate agency. We are not a traditional “cookie cutter” real estate agency. Even our office is different. We’ve restored a residential home in the heart of Wollaston Center, and filled it with a caring.
  • Members Plus Credit Union
  • 29 High Street, Medford, MA, 02155
  • Members Plus Credit Union is a community-chartered credit union owned by over 14, 000 members with branches in Medford, Dorchester, Everett, Norwood and Plymouth. The Credit Union, like all credit unions, is a not-for-profit cooperative. It is owned, managed and operated by members. Our mission is to provide quality, innovative, competitive,
  • Tremont Credit Union
  • 2 Granite Avenue, Suite 101, Milton, MA, 02186
  • Tremont Credit Union is a full service cooperatively owned financial instituion serving the working men and women of Boston and Eastern Massachusetts (Norfolk, Suffolk and Middlesex Counties). Operating 4 full service branches throughout Boston and on the South Shore There are many ways to be eligible for membership at Tremont Credit Union. Members
  • Leader Bank Loan Center
  • 180 Massachussetts Ave, Arlington, MA, 02474
  • At Leader Bank we take a modern day approach to making dreams come true, all while helping the community we love. Start your journey with us today. Leader Bank’s best-in-class staff has been at the forefront of supporting the bank’s rapid growth and customer-oriented solutions...
  • Leader Bank
  • 141 Massachusetts Avenue, Arlington, MA, 02474
  • Founded in 2002, Leader Bank is a Massachusetts-based entrepreneurial financial institution that approaches banking differently. The core tenets of Leader Bank include client services, exemplary products, and innovation to meet the needs of its clients. Leader Bank’s best-in-class staff has been at the forefront of supporting the bank’s
  • Mortgage Resources
  • 175 Highland Ave, Suite 303, Needham Heights, MA, 02494
  • Our goal is to offer you great friendly and professional service. Rates and fees will be reasonable, fair and affordable. As mortgage brokers, Mortgage Resources works with many lenders and investors. With literally hundreds of different and unique programs to choose from, our mortgage specialists
  • Direct Federal Credit Union
  • 50 Cabot St, Needham Heights, MA, 02494
  • Direct Federal is a community chartered credit union. This means that ANYONE who lives, works (or regularly conducts business in), worships, or attends school in Norfolk or Middlesex Counties, Massachusetts; or, has an immediate family member that lives, works (or regularly conducts business in), worships, or attends school in Norfolk
  • Fantini & Gorga LLC
  • 197 First Avenue, Needham Heights, MA, 02494
  • Fantini & Gorga delivers creative, cost-efficient real estate financing to its borrower clients who include investors, developers, and corporations. Our access to capital is unsurpassed, founded on long-nurtured relationships and powerful transaction volume. Following over 300 capital sources in a uniquely disciplined.
  • Atlas Mortgage
  • 220 Reservoir Street, Suite 4, Needham Heights, MA, 02494
  • We are a private lender to investors in the real estate community. We specialize in working with fix and flip rehabbers and builders of new construction. What makes us unique is we are builders ourselves so we know the business and can work quickly to close a loan for a good investor!
  • Transcend Mortgage Inc
  • 40 Eastern Avenue, Suite 219, Malden, MA, 02148
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Dedham Institution for Savings
  • 55 Elm Street, Dedham, MA, 02026
  • Dedham Savings has been a foundation of the community from our earliest days. When you visit a branch, you see the same friendly faces you have come to rely on. When you call us, you talk with people you’ve known for years, who are eager to help. And, we support the local causes and organizations that keep our community thriving.