FHA Loans (Investor Angle) in Boston, MA
Loan-size math and qualifying analysis for FHA financing on Boston's $793k median home value. Marginal fit.
Marginal fit for Boston.
Boston's $793k median may exceed FHA loan limits in many counties. Confirm 2026 FHA county limit before assuming this strategy works locally.
Payment on Boston's $793k median.
| Median home value (Boston) | $793,154 |
| Assumed LTV | 97% |
| Loan amount | $765,394 |
| Cash to close (down payment) | $27,760 |
| Assumed rate | 6.75% |
| Term | 30-year amortizing |
| Monthly P&I | $4,964/mo |
FHA financing — the mechanics.
A residential mortgage insured by the Federal Housing Administration. Low down-payment + flexible credit. Critically for investors: FHA loans are assumable — a new buyer can take over the original loan with the same rate and terms (subject to lender approval).
Original FHA: 580+ FICO, 3.5% down, owner-occupancy required at origination. Assumption: new buyer needs ~$500-1,500 fee + creditworthiness check + occupancy intent.
How Massachusetts law affects this loan.
Frequently asked.
What's the typical FHA loan size for a property in Boston?
On Boston's $793k median home value, a FHA loan at the standard 97% LTV would be approximately $765k, requiring $28k down.
What's the monthly payment on a typical FHA loan in Boston?
Fully-amortizing 30-year payment on a $765k FHA loan at the typical rate of 6.75% would be approximately $5k/month, excluding taxes and insurance.
Is Boston a good market for FHA financing?
Boston's $793k median may exceed FHA loan limits in many counties. Confirm 2026 FHA county limit before assuming this strategy works locally.
What credit and reserves do FHA lenders require for Boston properties?
Original FHA: 580+ FICO, 3.5% down, owner-occupancy required at origination. Assumption: new buyer needs ~$500-1,500 fee + creditworthiness check + occupancy intent.
Compare financing options.
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