VA Loan Limits in Suffolk County, Massachusetts (2026)
In Suffolk County — anchored by Suffolk County — the 2026 VA county loan limit is $1,249,125 for a single-family home. As a high-cost county, that runs above the $832,750 national baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
Buying in Suffolk County with a VA loan
With an estimated local median near $750,000, a veteran in Suffolk County can buy with $0 down — VA's signature benefit. The one-time funding fee of about $16,125 (2.15% first use) is usually financed in, and there is no monthly mortgage insurance. At an example 6.25% rate the all-in payment is roughly $5,546/month.
$0-down VA payment scenarios in Suffolk County
What a zero-down VA payment looks like across Suffolk County budgets (no monthly mortgage insurance):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $540,000 | $0 | $4,026 |
| Local median — $750,000 | $0 | $5,546 |
| Higher-end — $1,013,000 | $0 | $7,450 |
Estimates include the financed funding fee plus Massachusetts property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Suffolk County too — get alerts.
VA multi-unit limits in Suffolk County
Suffolk County's 2026 VA multi-unit caps reach $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex). Live in one unit, rent the rest, and finance it all with $0 down.
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Frequently Asked Questions
- What is the VA loan limit in Suffolk County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Suffolk County is $1,249,125 (one unit), $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Suffolk County?
- Eligible veterans can buy with no down payment at all. On a median $750,000 Suffolk County home that is $0 down, with a one-time funding fee of about $16,125 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Suffolk County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Suffolk County a high-cost VA county?
- Yes — Suffolk County's partial-entitlement limit of $1,249,125 is above the $832,750 national baseline.