2026 loan limits in Franklin County, Massachusetts
In Franklin County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Franklin County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Franklin County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Franklin County?
$541,287 for a one-unit home.
More for Franklin County
Franklin County property taxesFHA loan limits toolMassachusetts closing costsAshfield 01330 market dataBernardston 01337 market dataBuckland 01338 market dataCharlemont 01339 market dataColrain 01340 market dataConway 01341 market dataDeerfield 01342 market dataErving 01344 market dataGill 01354 market dataGreenfield 01301 market data
2026 limits from HUD’s county files (Greenfield, Ma). Conforming limits are set by the Federal Housing Finance Agency.