Closing costs in Massachusetts usually range from 2% to 5% of the home’s purchase price. These costs may include fees for appraisals, inspections, title insurance, and lender charges. Your loan officer can give you a personalized estimate based on your purchase.

For example, on a $300,000 home, buyers can expect to pay between $6,000 and $15,000 in closing costs. 

The most common loans among Massachusetts buyers are:

• Conventional Loans – Flexible terms with competitive interest rates. Often preferred by buyers with strong credit and larger down payments, though options with as little as 3% down are available.

• FHA Loans – Backed by the Federal Housing Administration, these are popular with first-time buyers. They allow lower credit scores and down payments starting at 3.5%.

• VA Loans – Available to eligible veterans, active-duty service members, and surviving spouses. VA loans require no down payment and no private mortgage insurance (PMI).

• USDA Loans – Designed for qualifying buyers in rural and suburban areas. These loans also offer no down payment and reduced mortgage insurance costs.

Massachusetts’s public schools consistently rank among the top in the country for academics, student outcomes, and college readiness. Many districts and individual schools receive annual recognition for their high performance, strong teacher quality, and advanced coursework.

• Top districts include Hopkinton Public Schools and Weston Public Schools, both of which earned “A+” grades and rank in the top tier statewide. 

• Notable schools such as those in Brookline Public Schools, Lexington Public Schools and Belmont Public Schools make frequent appearances on “best of” lists for Massachusetts public schools. 

• Massachusetts uses public school report cards and statewide performance data from the Massachusetts Department of Elementary and Secondary Education to track key metrics like academic achievement, growth, and student progress. 

For full school and district data—including test scores, graduation rates, and performance comparisons—visit the Massachusetts school and district report card portal.