"For 2026, the Federal Housing Finance Agency (FHFA) has increased the conforming loan limits for Boston (Suffolk County) and surrounding high-cost areas to the maximum national ceiling. These limits apply to single-family homes and condos. High-Cost Designation: Boston and many neighboring counties (such as Norfolk and Plymouth) are designated as high-cost areas, allowing for limits up to 150% of the national baseline."
"Middlesex County Exception: Some suburbs in Middlesex County may have a specific intermediate limit, recently cited as $962,550 for one-unit properties in 2026. Jumbo Loan Threshold: Any mortgage amount exceeding these specific county limits is classified as a "non-conforming" or jumbo loan, which often requires higher credit scores and larger down payments. Effective Date: These limits officially apply to loans acquired by Fannie Mae and Freddie Mac starting January 1, 2026, though many lenders began honoring them shortly after the November 2025 announcement."
FHFA raised 2026 conforming loan limits for Boston (Suffolk County) and surrounding high-cost areas to the national ceiling. The updated limits apply to single-family homes and condominiums. Boston and many neighboring counties, including Norfolk and Plymouth, are designated high-cost areas permitting limits up to 150% of the national baseline. Some Middlesex County suburbs have a specific intermediate one-unit limit cited at $962,550 for 2026. Mortgage amounts above the county-specific limits are classified as non-conforming or jumbo loans and often require higher credit scores and larger down payments. Limits apply to loans acquired by Fannie Mae and Freddie Mac starting January 1, 2026, and many lenders began honoring them shortly after the November 2025 announcement.
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