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

In 2026, 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

2026 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

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


Boston Lenders

  • Brookline Municipal Credit Union
  • 334 Washington Street, Brookline Village, MA, 02447
  • Lends in Massachusetts
  • Founded in 1939, the Brookline Municipal Credit Union was formed by a group of people with a common bond – people who were principally interested in encouraging systematic savings and providing a source of low-cost loans, when members needed money. The philosophy and commitment to provide our members with savings accounts.

  • Edward Voccola & Co. LLC
  • 75, Arlington Street, Suite 500 Boston, MA 02116, Boston, MA, 02116
  • Lends in Massachusetts
  • Edward Voccola & Co. LLC – Commercial Real Estate Financing
    Commercial & Project Finance, Joint Venture Lending, Construction, Hotels, 100% Bond & Equity Financing, US & Worldwide

    We offer the following kinds of loans;
    * Personal Loans (Unsecured Loan), * Business Loans (Unsecured Loan), * Commercial Real Estate Loans, * Construction Loans, *

  • UC Funds
  • 745 Boylston Street, Boston, MA, 02116
  • Lends in Massachusetts
  • UC Funds is a national balance sheet provider of both debt and equity capital solutions that has provided over $3 billion dollars of capital solutions since 2010. UC Funds provides quick, reliable and customized financial solutions throughout the entire capital stack, including joint venture equity.

  • Northeast Bank
  • 200 Berkeley Street, 17th Floor, Boston, MA, 02116
  • Lends in Massachusetts
  • Northeast Bank (NASDAQ: NBN) is a full-service bank headquartered in Portland, Maine. We are both an experienced, balance sheet lender offering speed, certainty of execution and creativity to structure loan originations and acquisitions nationally, and a full-service bank serving customers in Western, Central, and Southern Maine

  • Edward Voccola & Co., LLC
  • 75 Arlington Street, Suite 500, Boston, MA, 02116
  • Lends in Massachusetts
  • Edward Voccola & Co. LLC is a Private Equity & Joint Venture financial company based in New York City and have offices throughout the U.S & Internationally, We have a dedicated team of financial experts in commercial real estate finance and project funding delivering creative financing solutions consistently to worldwide clients.

  • Endeavor Capital
  • 404 South Huntington Avenue, Jamaica Plain, MA, 02130
  • Lends in Massachusetts
  • Endeavor Capital is a “unique requirements” private lender where every real estate loan represents a special situation. Although we welcome opportunities that come with sophisticated PowerPoint business plan presentations and exceptionally well-defined exit strategies, we are usually quite comfortable in simply discussing the real estate loan reque

  • Brookline Bank
  • 2 Harvard Street, Brookline, MA, 02445
  • Lends in Massachusetts
  • Brookline Bank is a full-service financial institution with more than 30 locations in Greater Boston & the North Shore. Whether online, mobile, or in person, Brookline Bank helps you manage your banking with a mix of tech, human touch, & solutions tailored to your life. We offer checking, savings, home equity lending, residential mortgages.

  • Mass Home Mortgage Co
  • 200 Lincoln Street, Suite 405, Boston, MA, 02111
  • Lends in Massachusetts
  • MassHome Mortgage LLC is a mortgage broker who has been helping customers in Massachusetts since 1999 to obtain residential
    and commercial loans with variety of programs from different mortgage lenders. Our main goal is to provide the best service to our
    customers and help them to find the right loan with the best rates, terms and costs to

  • Harvard University Employees Credit Union
  • PO Box 382609, Cambridge, MA, 02238
  • Lends in Massachusetts
  • Harvard University Employees Credit Union is a not-for-profit financial institution, founded in 1939 by employees and serving all Harvard affiliates and teaching hospitals, including faculty, students, alumni, post-docs, fellows, and more.

    Harvard affiliates and their family are eligible to join.