September 2026 HUD file
HUD-insured apartment loans in Massachusetts
661 properties with 80,809 units carry FHA-insured mortgages in Massachusetts, with $9.6 billion still owed. The median note rate is 3.9%, and 342 of them are below 4%.
661insured loans
3.9%median note rate
$9.6 billionbalance outstanding
5.54%median on loans endorsed in the last 12 months, all states
By program
| 223(f) purchase or refinance | 310 |
|---|---|
| 221(d)(4) construction or substantial rehab | 7 |
| 223(a)(7) refinance | 44 |
| HFA risk-sharing | 298 |
| 241(a) supplemental | 2 |
Lowest rates with 10+ years left
These are the loans a buyer would most want to assume. Open one for the payment math.
| Property | City | Units | Rate | Balance | Matures |
|---|---|---|---|---|---|
| Mercantile Wharf | Boston | 125 | 2.15% | $39.6 million | 2056 |
| Station 101 | Beverly | 99 | 2.15% | $21.5 million | 2055 |
| Littlebrook Apartments | Hudson | 96 | 2.15% | $14.0 million | 2056 |
| Diamond Spring Garden | Lawrence | 97 | 2.15% | $12.2 million | 2055 |
| Fabens Building | Lynn | 37 | 2.15% | $5.0 million | 2055 |
| Shore Plaza East | East Boston | 380 | 2.17% | $66.4 million | 2056 |
| Silsbee Tower | Lynn | 146 | 2.18% | $13.1 million | 2055 |
| Pine Homes Apartments | Brockton | 114 | 2.2% | $10.1 million | 2056 |
| Highland Hills Apartments | Taunton | 116 | 2.2% | $6.1 million | 2056 |
| Mishawum Park Apartments | Charlestown | 337 | 2.21% | $13.8 million | 2056 |
| Pondside at Littleton | Littleton | 90 | 2.24% | $12.8 million | 2056 |
| Saugus Commons | Saugus | 266 | 2.25% | $50.2 million | 2056 |
| New Puff Village | Amherst | 314 | 2.25% | $31.1 million | 2056 |
| Piano Craft Guild Apartments | Boston | 176 | 2.25% | $21.3 million | 2056 |
| Station Pointe II | Mansfield | 95 | 2.25% | $13.8 million | 2056 |
Filter every state in the assumable-loan finder
Paying off within five years
Most HUD loans amortize to zero, so these balances are usually small. The owners are deciding what to do with a nearly paid-off property.
| Property | City | Units | Rate | Balance | Matures |
|---|---|---|---|---|---|
| Millhouses of Adams | Adams | 99 | 4.91% | $230,091 | 2029 |
| Villa Nueva Vista | Springfield | 110 | 5.75% | $255,662 | 2030 |
By city
- Boston 132
- Worcester 27
- Lowell 21
- Lynn 17
- Cambridge 15
- Roxbury 15
- Lawrence 14
- Brockton 11
- New Bedford 11
- Quincy 11
- Springfield 11
- Brookline 10
- Chelsea 10
- Dorchester 10
- Fall River 10
- Beverly 9
- Weymouth 9
- Brighton 8
- Framingham 8
- Taunton 8
- Haverhill 7
- Newton 7
- Somerville 7
- Amherst 6
- Holyoke 6
- Pittsfield 6
- Wareham 6
- Fitchburg 5
- Hanover 5
- Charlestown 4
- East Boston 4
- Greenfield 4
- Malden 4
- Mansfield 4
- Marshfield 4
- Methuen 4
- Northampton 4
- Peabody 4
- Revere 4
- West Roxbury 4
Everywhere else in Massachusetts
- Chestnut Glen Abington · 2.42%
- Woodlands at Abington Station Abington · 2.45%
- Millhouses of Adams Adams · 4.91%
- Pheasant Hill Village Agawam · 3.9%
- Charlesview Incorporated Allston · 4.8%
- Mcnamara House Allston · 2.4%
- Gardner Lake Village Amesbury · 2.49%
- Andover Commons Andover · 3.02%
- Millbrook Square Apartments Arlington · 3.25%
- Ashland Commons Ashland · 3.87%
- 37 Union Street Attleboro · 4.25%
- Hillcrest Acres Attleboro · 5.07%
- Hope Gardens Attleboro · 3.25%
- Fawcett's Pond Barnstable · 5.25%
- Bedford Village and 447 Concord Road Bedford · 4.74%
- Oakwoods Apartments Bellingham · 4.01%
- Waverly Woods Belmont · 6.98%
- Old Colony Phase Three A4 Bostom · 4.25%
- J.j. Carroll House Boston (brighton) · 4.08%
- 2147 Washington Boston Roxbury · 5.32%
- Westland Avenue Apartments Boston-Fenway · 5.29%
- Bartlett Station Lot D Boston-Roxbury · 4.432%
- Canal Bluffs-Phase III Bourne · 5.32%
- Cape View Way Bourne · 6.63%
- Braintree Village Apartments Braintree · 3.48%
- Independence Manor II Braintree · 6.13%
- Logan Park Braintree · 3.88%
- Axis at Lakeshore Apartments Bridgewater · 3%
- Blue Hills Village Canton · 2.45%
- Canton Village Canton · 4.16%
- Lamplighter Village Canton · 4.95%
- Dom Narodowy Polski Apts Chicopee · 5.4%
- Macarthur Terrace Chicopee · 4.49%
- Mckinley House Chicopee · 3.23%
- Oxford Court Apartments Clinton · 3.65%
- River Run Apartments Dalton · 3.5%
- Conant Village Danvers · 3.96%
- Crossroads Apartments Dartmouth · 3.45%
- Solemar II Dartmouth · 3.4%
- Riddlebrook Apartments Douglas · 6.07%
- Skyline Commons Dracut · 3.23%
- Island Creek North Age Restricted Duxbury · 4.5%
- Island Creek Village East Duxbury · 4.07%
- Island Creek Village North Age Unrestricted Duxbury · 4.43%
- Brownstone Gardens East Longmeadow · 5.71%
- Village at Nauset Green Eastham · 5.07%
- Orchard View Apartments Easthampton · 3.7%
- Meshacket Commons-Rental Edgartown · 5.58%
- Pennywise Path Edgartown · 5.55%
- Fairhaven Village Fairhaven · 3%
- Cape Cod Apartments Falmouth · 3.65%
- Cedar Meadows Falmouth · 3.64%
- Gosnold Grove Falmouth · 2.98%
- Rosewood Way Townhomes Feeding Hills · 6.4%
- Heritage Green Fiskdale · 2.78%
- Meadowbrook Apts Florence · 3.936%
- Tribune Apartments Framing · 4.29%
- Eaton Place Apartments Franklin · 5.55%
- Binnall House Gardner · 3.05%
- Longview Apartment Georgetown · 4.47%
- Central Grammas Apartments Gloucester · 5.25%
- Bostwick Gardens Great Barrington · 4.25%
- Groton Commons Groton · 5.94%
- Lyman Terrace Phase II Hampden · 4.08%
- Pine Oaks Village 1 Harwich · 3.47%
- Holbrook Apartments Holbrook · 5.45%
- Ramblewood II Apts Holbrook · 3.12%
- Colony of Holden Holden · 3.74%
- Hubbardston House Apartments Hubbardston · 5.94%
- Littlebrook Apartments Hudson · 2.15%
- Machado House at Peter's Grove Hudson · 5.3%
- Cromwell Court Apartments Hyannis · 5.36%
- Georgetowne Homes II Hyde Park · 4.52%
- Georgetowne Homes One Hyde Park · 4.52%
- Agawam Village Ipswich · 5.3%
- Farnsworth House Jamaica Plain · 4.75%
- Woodbourne Apartments Jamaica Plain · 3.3%
- Silver Lake Homes Kingston · 4.55%
- Kensington Court at Lakeville Station Lakeville · 7.31%
- The Fairways Lakeville · 7%
- Hyde Place Apartments Lee · 5.8%
- Silver Leaf Terrace Leominster · 5.35%
- Whitney Carriage Park Leominster · 3.39%
- Franklin School Apartments Lexington · 4%
- Lincoln Woods Apartments Lincoln · 3.75%
- Mill Pond Apartments Littleton · 4.85%
- Pondside at Littleton Littleton · 2.24%
- Emerson Manor I Longmeadow · 3.73%
- Genesis House Longmeadow · 3.45%
- Tri Landing Apartments Lunenburg · 6.7%
- Marion Village Estates Marion · 2.48%
- Greater Marlboro Program A B Marlborough · 3.45%
- Mashpee Village Mashpee · 4.9%
- Cote Village 4% Mattapan · 3.85%
- Trinity Mattapan Heights Three Mattapan · 5.33%
- Old Mill Glen Maynard · 2.42%
- Summerhill Glen Maynard · 2.74%
- Wilkins Glen Medfield · 2.58%
- Mystic Place Apartments Medford · 2.55%
- Riverside Towers Apts Medford · 3.43%
- Water Street Apartments Medford · 5.7%
- Cefalo Memorial Complex Melrose · 4.24%
- Middlebury Arms Middleboro · 5.25%
- Winter Valley Residences Milton · 6.45%
- Oliver Lofts Mission Hill · 7.25%
- Cloverleaf Apartments Natick · 2.99%
- Sherwood Village Natick · 4.25%
- Chestnut Hollow Apartments Needham · 2.42%
- High Rock Homes Needham · 5.65%
- Nehoiden Glen Needham · 2.38%
- Heritage House Newburyport · 5.5%
- James Steam Mill Newburyport · 3.54%
- Houghton Village Newton Centre · 2.7%
- Holy Family Terrace North Adams · 3.75%
- Wood Ridge Homes North Andover · 3.89%
- Prentice Place North Grafton · 5.53%
- Cotton Mill Apts Northbridge · 4.09%
- Rockdale House Apartments Northbridge · 5.3%
- Norton Glen Norton · 2.6%
- Olde Derby Village Norwood · 2.28%
- King Pine Orange · 4.92%
- Phare (f/k/a Cape Cod Five Redevelopment) Orleans · 5.55%
- Rock Harbor Village Orleans · 5.3%
- Palmer Green Estates Palmer · 3.32%
- Rolling Meadows Apartments Pepperell · 2.58%
- Algonquin Heights Plymouth · 3.25%
- The Summit Plymouth I Plymouth · 2.25%
- The Summit Plymouth II Plymouth · 2.25%
- Bridle Path Apartments Randolph · 2.78%
- Simon C. Fireman Community Randolph · 2.59%
- Cedar Glen Reading · 2.38%
- Peter Sanborn Place Reading · 3.87%
- Schoolhouse Commons Reading · 4.479%
- Spring Gate Apartments Rockland · 3.41%
- Canterbury Place Roslindale · 3.25%
- Roslindale House Roslindale · 2.65%
- Smith House & Dewitt Community Center Roxburry · 3.75%
- Fairweather Apartments Salem · 4.33%
- Pequot Highlands Salem · 4.14%
- Shawme Heights Apartments Sandwich · 5.66%
- Saugus Commons Saugus · 2.25%
- Kent Village Scituate · 3.1%
- Stony Brook Court Sharon · 3.48%
- Shrewsbury Commons Shrewsbury · 3.15%
- The Pointe at Hills Farm 4% Shrewsbury · 5.61%
- The Pointe at Hills Farm 9% Shrewsbury · 7.66%
- Solemar South Dartmouth South Dartmouth · 3.4%
- Centerpointe Apartments South Dennis · 2.59%
- Swan Pond Village South Yarmouth · 2.9%
- Southhampton Meadows Southampton · 2.6%
- Brookside Terrace Apartments Southbridge · 4.03%
- Rosemeade Apartments Southbridge · 2.4%
- Mountain View Terrace Stoneham · 2.75%
- North Stoughton Village Stoughton · 2.45%
- West Stoughton Village Stoughton · 4.07%
- Pilot Grove Hill Apartments Stow · 4.05%
- Longfellow Glen Sudbury · 2.42%
- The Coolidge at Sudbury Sudbury · 4.12%
- The Coolidge at Sudbury Phase 2 Sudbury · 4.59%
- Atwood Acres Apartments Townsend · 4.35%
- Power Town Turner Falls · 3.75%
- Maple Ridge Tyngsboro · 7%
- Maple Ridge II Tynsboro · 6.5%
- 149 Main Street Apartments Upton · 3.99%
- Crown and Eagle Apartments Uxbridge · 3.4%
- Colonial Point Apts Wakefield · 3.2%
- The Residence at 581 Salem St. Wakefield · 5.7%
- The Preserve Walpole · 3.53%
- Francis Cabot Lowell Mill I Waltham · 3.58%
- Francis Cabot Lowell Mill II Waltham · 3.58%
- Highland Village Ware · 4.03%
- Hillside Village Ware · 3.67%
- Arsenal Apartments Watertown · 2.55%
- Charlesbank Apartment Homes Watertown · 5.74%
- The Coolidge Watertown · 5.3%
- North Village at Webster Webster · 4.65%
- Sitkowski School Apartment Webster · 5%
- Slater Estates Webster · 5.3%
- Glen Grove Apartments Wellesley · 2.42%
- Westborough Country Village Westborough · 3.69%
- Edgewood Th Apartments Westfield · 3.41%
- General Shepard Apartments Westfield · 5.56%
- Powdermill Village Westfield · 3.82%
- Stony Brooks Ph 1 Refi Westford · 4.381%
- Noquochoke Village Westport · 4.948%
- Highland Glen Westwood · 3.25%
- Linwood Mills Senior Housing Whitinsville · 6.18%
- Wilbraham Commons Wilbraham · 4.2%
- Proprietors Fields Williamstown · 6.25%
- Noonan Glen Winchester · 2.42%
- Kimball Court Apartments I Woburn · 3.3%
- Kimball Court II Woburn · 6.81%
- Kimball Court III Woburn · 3.25%
- The Maples Worthington · 4.49%
- Liberty Pines Apartments Wrentham · 2.93%
Source: HUD, Insured Multifamily Mortgages, active file, current as of September 30, 2026. Apartment loans only; nursing homes, assisted living and hospitals in the same file are not counted.
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