Avg Home Value
$630,000
Lending Limit
$1,209,750
Massachusetts Housing Market Analysis
Massachusetts is considered a high-value market. With average home values exceeding $630,000, many homeowners here find that standard HECM loans cap their proceeds unfairly. If your home is worth over $1.2M, you are likely a candidate for a Jumbo Reverse Mortgage, which allows for loan amounts up to $4 million.
Loan Limits in Massachusetts
For 2026, the federal lending limit is $1,209,750.
Since the median home value in Massachusetts is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for Massachusetts
Massachusetts has specific regulations that go beyond federal HUD guidelines:
As of March 2024, MA permanently allows remote video/phone counseling (previously in-person only). A 7-day cooling-off period applies.
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