USDA Vs. FHA your options comparison in Barnstable, Barnstable County, MA

For 2025, 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 .

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Mansfield Mortgage Company
  • 208 East Broad Street, Suite 101, Mansfield, TX, 76063
  • "At Mansfield Mortgage, we understand the home-buying experience can be both exciting and stressful. After all, it’s probably your biggest investment. Let our experts help take the stress out of the mortgage process. From application to closing, we’ll work hand in hand to make your financial decisions easier and smarter."
  • Member Preferred Federal Credit Union
  • 340 Blue Mound Road, Suite 342, Fort Worth, TX, 76131
  • Member Preferred began in 1935 with a vision to serve the employees of the St. Louis San Fancisco (or Frisco) Railway in Texas.While the name of the railroad has changed from Burlington Northern Railroad in 1981 to the Burlington Northern Santa Fe Railroad in 1995, our mission has stayed the same.
  • Centex Citizens Credit Union
  • 1404 E Milam Street, Mexia, TX, 76667
  • Centex Citizens received its original charter in 1954 as Mexia State School Credit Union to serve the employees of Mexia State School. It was virtually operated on a "back-pocket" system with a signature and handshake being all that was required for employees to make small loans. With each passing year, the membership and assets grew.
  • Incommons Bank, National Association
  • 301 E. Commerce St., Mexia, TX, 76667
  • Incommons Bank wholeheartedly believes that a community bank is just that — a bank built by the community it serves. For 130 years of handshake banking, Incommons Bank has striven to be "The Best Community Bank in Central Texas, " and has worked closely with its communities and customers by listening to their needs and providing the support to help
  • The First National Bank of Dighton
  • 105 East Long, Dighton, KS, 67839
  • First National Bank of Dighton has been a member of this community for over 100 years. It was pioneer spirit that transformed Dighton from a settlement on the prairie into a thriving agricultural center for wheat and cattle. We at First National Bank take pride in that spirit, Dighton.
  • Star Loans of Texas
  • 3019 North Main Street, Baytown, TX, 77521
  • Star Loans was founded with an emphasis on providing superior customer service to our local communities to each and every person, each and every day. This continued emphasis allows us to create positive business relationships with our community. Each of our branches are managed by local individuals that understand their communities.
  • American Federal Residential Mortgage
  • 407 W. Baker, Suite S, Baytown, TX, 77521
  • LET ONE OF OUR PROFESSIONAL MORTGAGE CONSULTANTS BUILD A MORTGAGE LOAN ESPECIALLY FOR YOU. NEW HOMES AND RESALE HOMES SECOND HOMES AND VACATION HOMES ETC.. CALL OR COME BY OUR OFFICE FOR A FREE PRE -QUALIFICATION FOR A MORTGAGE LOAN BEFORE YOU SHOP FOR A NEW OR USED HOME. WE WILL FURNISH YOU WITH A PRE-APPROVAL LETTER AT NO CHARGE.
  • Amegy Mortgage
  • 1300 Rollingbrook, Baytown, TX, 77521
  • At Amegy, we strive to create a great place to work that reflects the communities we serve, where everyone counts, differences are valued and respected, and all employees are encouraged to contribute to business objectives. We are pleased to share with the communities we serve a summary of our organizational reflection.