As of 2025, in Barnstable county of Barnstable, MA, the FHA loan limits stand at $701,500 for single-family homes, $898,050 for duplexes, $1,085,550 for triplexes, and $1,349,050 for four-unit properties.
For conventional loans, the maximum for a one-unit home is $726,200, while two-unit dwellings are capped at $929,850, three-unit homes at $1,123,900, and four-unit residencies at $1,396,800.
Utilize our FHA calculator to find today's top FHA rates and to assess required downpayment, income, credit, reserves, and necessary documentation to qualify.
With the Lendersa® calculator, quickly compare FHA rates and terms against other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates loan program details from numerous lenders and matches them to your specific financial conditions almost instantly.
The Loan Limits Comparison Table for 2025 in Barnstable county, Barnstable, MA, helps you contrast the maximum loans for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed comparisons, such as income, reserves, and credit requirements, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $701,500 | $898,050 | $1,085,550 | $1,349,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $496,800 | $496,800 | $496,800 | $496,800 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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