USDA Vs. FHA your options comparison in Barnstable, Barnstable County, MA
For 2026, the USDA loan limit in Barnstable, located in Barnstable county, MA, is $496,800. By comparison, the FHA limit for a single-family home is $701,500.
Leverage the Lendersa® USDA loan calculator to contrast today’s leading USDA and FHA rates, evaluating the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Barnstable, Barnstable, MA
Loan Type
Loan Limit
Down Payment
USDA
$496,800
0%
FHA
$701,500
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Barnstable, MA
Lendersa® aims to quickly connect you with the most favorable USDA or FHA loan options without hassle. Start with one of three approaches to find matching lenders and programs.
The USDA home loan, backed by the Department of Agriculture, is also termed the USDA rural development loan or USDA mortgage. It is intended for rural areas only. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans have no down payment requirement at all.
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