VA loan snapshot for Massachusetts
| Item | Estimate |
|---|---|
| Minimum down payment | 0% |
| Minimum credit score | No VA minimum (lenders often 580–620) |
| Typical MA home value | $525,800 |
| 3.5% down on typical home | $18,403 |
| 20% down on typical home | $105,160 |
| Avg. effective property tax | 1.11%/yr (~$485/mo) |
| Income for typical home (31% rule) | $168,000 |
Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.
Which Massachusetts programs pair with VA loans?
- MassHousing Down Payment Assistance: A deferred second loan toward down payment and closing costs for eligible buyers.
- Workforce Advantage: Higher assistance and reduced mortgage insurance for moderate-income first-time buyers.
Details and current limits: MassHousing.
Who is eligible for a VA loan?
- Veterans who meet minimum service requirements (commonly 90 consecutive days in wartime or 181 days in peacetime).
- Active-duty service members after 90 continuous days.
- National Guard and Reserve members with 6 years of service, or 90 days of active-duty service under Title 10/32.
- Surviving spouses of service members who died in service or from a service-connected disability (in many cases).
What is the VA funding fee?
The fee can be financed into the loan. Veterans receiving VA disability compensation, and some others, are exempt. Fees shown are for purchase loans and may change.
| Down payment | First use | Subsequent use |
|---|---|---|
| Less than 5% | 2.15% | 3.3% |
| 5% to under 10% | 1.5% | 1.5% |
| 10% or more | 1.25% | 1.25% |
VA loans in Massachusetts cities
VA in BostonVA in WorcesterVA in SpringfieldVA in CambridgeVA in LowellVA in BrocktonVA in QuincyVA in LynnVA in New BedfordVA in Fall RiverVA in NewtonVA in LawrenceVA in SomervilleVA in FraminghamVA in HaverhillVA in MaldenVA in WalthamVA in BrooklineVA in RevereVA in TauntonVA in MedfordVA in Weymouth TownVA in ChicopeeVA in PeabodyVA in Methuen TownVA in EverettVA in Barnstable TownVA in AttleboroVA in ArlingtonVA in SalemVA in LeominsterVA in PittsfieldVA in BeverlyVA in FitchburgVA in MarlboroughVA in WoburnVA in WestfieldVA in ChelseaVA in Braintree TownVA in HolyokeVA in Amherst TownVA in Watertown TownVA in Randolph TownVA in LexingtonVA in Franklin TownVA in NeedhamVA in NorwoodVA in North Attleborough TownVA in WellesleyVA in GloucesterVA in MelroseVA in Bridgewater TownVA in NorthamptonVA in West Springfield TownVA in SaugusVA in Agawam TownVA in MiltonVA in DanversVA in MilfordVA in Wakefield
Frequently asked questions
Yes. VA loans are available statewide in Massachusetts through approved lenders, subject to county loan limits where they apply.
Often yes. MassHousing and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.