In 2025, within the county of Barnstable, encompassing Wellfleet, MA, the FHA loan limits stand as follows: a single-family home limit is $701,500, for 2-unit dwellings it's $898,050, for properties with 3 units the cap is $1,085,550, and for 4 units, it reaches $1,349,050. These limits establish the borrowing power available under FHA loans for varying property sizes.
Conversely, the top permissible loan amounts under conventional financing are set at $726,200 for a single-family house. For two-unit buildings, the maximum is $929,850, while for three units it is $1,123,900, and four-unit properties can borrow up to $1,396,800. Understanding these figures is key to evaluating your conventional lending options.
To explore today's most competitive FHA rates and to work out the required downpayment, income verification, credit scores, reserve needs, and necessary documentation, utilize our FHA calculator. This tool offers vital insights into the loan qualification process.
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Lendersa® provides a calculator that enables a detailed comparison of FHA loan rates and terms against a comprehensive suite of other loan products. This includes the likes of Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, facilitating a well-rounded decision-making process.
By aggregating loan program details from a vast number of lenders, Lendersa® delivers instant, personalized insights that align with your distinct financial profile and specific needs, allowing for well-informed financial choices.
The Loan Limits Comparison Table for 2025 in Wellfleet, within Barnstable county, MA, offers a comparative analysis for maximum loan amounts across various types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Delve into the qualification criteria including income, reserves, and credit by utilizing 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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