During the year 2026, the FHA loan limit in Falmouth county, located in Barnstable, MA, is set at $701,500 for a single-family residence. For housing with 2-units, the maximum is $898,050, while 3-unit homes are capped at $1,085,550, and 4-unit properties at $1,349,050.
For conventional loans, the highest amount available for a single-family home is $726,200. For a residence with two units, it's $929,850, three-unit homes are allowed up to $1,123,900, and four-unit properties have a limit of $1,396,800.
Our FHA calculator allows you to access today’s most favorable FHA rates. It also helps determine the required downpayment, income, credit score, reserves, and necessary documents for qualification.
The Lendersa® calculator is designed to let you compare the rates & terms of FHA loans with those of other available loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® acquires detailed loan program data from numerous lenders. It rapidly compares this data against your financial profile to identify suitable options for you.
The Loan Limits Comparison Table for 2026 within Falmouth county, Barnstable, MA, showcases a comparative view of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For an in-depth comparison of qualifying criteria such as income, reserves, and credit, utilize 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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