Fannie Mae and Freddie Mac
Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.
Conventional loan limits can be higher than the conforming loan limit in high cost Counties. High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.
Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.
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Massachusetts Conventional Loan Limits by County
| County | 1 Unit SFR | 2 Unit Duplex | 3 Unit Triplex | 4 Unit Fourplex |
|---|---|---|---|---|
| BARNSTABLE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BERKSHIRE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BRISTOL COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DUKES COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| ESSEX COUNTY | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| FRANKLIN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HAMPDEN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HAMPSHIRE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MIDDLESEX COUNTY | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| NANTUCKET COUNTY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| NORFOLK COUNTY | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| PLYMOUTH COUNTY | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| SUFFOLK COUNTY | $724,500 | $927,500 | $1,121,150 | $1,393,300 |
| WORCESTER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |