For the year 2026, FHA loan limits in Chatham county of Barnstable, MA are set at $701,500 for a single-family home. For properties with 2-units, it is $898,050, while 3-units have a limit of $1,085,550, and the cap for 4-units reaches $1,349,050.
The maximum loan amount available for conventional loans on a single-family residence is $726,200. For 2-units, this increases to $929,850, for 3-units it rises to $1,123,900, and for 4-units, the limit is $1,396,800.
Take advantage of our FHA calculator to reveal today’s top FHA rates and determine the required downpayment, income criteria, credit score, reserves, and paperwork necessary for qualification.
Lendersa® calculator equips you with the ability to compare FHA rates and terms with those of numerous other loan programs. This includes Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans, facilitating extensive comparisons.
Lendersa® acquires detailed loan program data from thousands of lenders, providing a quick, customized match to your unique financial profile.
Refer to the Loan Limits Comparison Table for 2026 in Chatham county of Barnstable, MA. This tool compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To assess qualification metrics such as income, reserves, and credit, use 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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