In 2026, the FHA loan limits applicable in the county of Barnstable, covering Northwest-Harwich, MA, are as follows: $506,000 for a single-family home, $647,750 for two-unit properties, $783,000 for three-unit dwellings, and $973,100 for those with four units.
Conventional loans offer different maximum amounts for finance: $548,250 for a single-family residence, $702,000 for 2-units, $848,500 for 3-unit properties, and $1,054,500 for 4-units.
Our FHA calculator can be used to identify the most competitive FHA rates available today and to determine the necessary downpayment, income requirements, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator provides a platform to juxtapose rates and terms of FHA loans with those of various other lending programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This allows for thorough exploration and comparison of your financial options.
By accessing extensive loan program data from a multitude of lenders, Lendersa® efficiently matches it to your specific financial profile and needs in mere seconds.
The Loan Limits Comparison Table for 2026 in Northwest-Harwich, located within Barnstable, MA, offers a detailed view comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To scrutinize and compare qualification criteria like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $506,000 | $647,750 | $783,000 | $973,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $408,200 | $408,200 | $408,200 | $408,200 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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