USDA Vs. FHA Pro and Con comparison in Bourne, Barnstable County, MA

In 2025, the USDA loan limit for Bourne, within Barnstable county, MA is $496,800. Conversely, the FHA loan limit for a single-family residence is $701,500.

The Lendersa® USDA loan calculator helps you compare today’s USDA and FHA best rates, understanding the income, credit, reserves, and document requirements for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA side by side, assisting you in deciding the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Bourne, Barnstable, MA

Loan Type Loan Limit Down payment
USDA $496,800 0%
FHA $701,500 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Bourne, MA

Lendersa® aims to provide you the best USDA or FHA loan speedily and without complication. Select from three options to find matching lenders and appropriate USDA loan programs.

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Understanding USDA Loans in MA

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and available only in rural areas. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA loans don’t require any down payment.

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



  • Trinity Oaks Mortgage
  • 420 Century Way, Suite 100, Red Oak, TX, 75154
  • Trinity Oaks Mortgage, LLC supports Equal Housing Opportunity. When dealing with home financing, we are not only working with one of our client's largest personal financial investments; we also are handling one of their biggest dreams. Since we work with matters so close to the heart, we serve our clients from ours.
  • LTI Mortgage
  • 1801 North Hampton Road, Suite 415, Desoto, TX, 75115
  • LTI Mortgage was built on Loyalty, Trust and Integrity. We feel that everyone who wants to own a home should own a home and get a fair deal in the process. We're Here to make sure you get the best mortgage loan possible at a great price. We're a small company with much less overhead than the bigger companies.
  • TSW Mortgage & Associates
  • 1801 N Hampton Rd, Suite 383, Desoto, TX, 75115
  • TSW Mortgage & Associates. I will be your dedicated mortgage professional to help guide you through your loan process. Please feel free to reach out to me at any time with your loan questions.Conventionl, FHA, ARM, USDA/RHS, VA, 203k, Jumbo, Interest Only, Fix & Flip, Investment, Hard Money, Reverse Mortgage & Home Equity
  • Grand Prairie Credit Union
  • 209 N. Center Street, Grand Prairie, TX, 75050
  • Grand Prairie Credit Union is located in Grand Prairie, TX, United States and is part of the Depository Credit Intermediation Industry. Grand Prairie Credit Union has 5 total employees across all of its locations and generates $551, 999 in sales (USD). (Employees figure is modelled).
  • The Hershey State Bank
  • 100 S. Lincoln Ave, Hershey, NE, 69143
  • The Hershey State Bank is a branch office of The Hershey State Bank. They provide the following services: Full Service Office Location and are located at 100 S. Lincoln Ave in Hershey Nebraska. Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website and additional bankin
  • The First Farmers National Bank of Waurika
  • 319 E D Ave, Suite 3227, Waurika, OK, 73573
  • With Over 100 years of service to Waurika & surrounding communities First Farmers National Bank has roots. We are committed to the needs of our communities & customers. We are a locally owned bank with Five generations of local ownership having served the Waurika area. We believe local control & management is important to rural communities
  • Citizens State Bank
  • 1330 W. Commerce Street, Buffalo, TX, 75831
  • Established in 1925, Citizens State Bank serves individuals and businesses in Leon, Freestone, Limestone, Madison, Robertson, Houston, Anderson, Bosque, McLennan, Ellis, Johnson, Hill, Navarro, and Falls counties. Citizens State Bank presently offers products to make banking easier and more convenient for its customers.
  • Community National Bank and Trust of Texas
  • 906 North Buffalo Avenue, Buffalo, TX, 75831
  • Since 1964, Community National Bank & Trust has been dedicated to helping individual and business customers succeed. The mission statement of Community National is to be the bank of choice by providing exceptional service to our customers and a fair return to our shareholders. Our goal is always to serve the best interests of our communities.
  • Lending Elite Inc
  • 1401 Highway 360, Unit 1021, Euless, TX, 76039
  • Lending Elite is committed to design the loan to suit your needs. Whether you are buying, refinancing, or remodeling, we are here to guide you through the process to achieve your financial goals. and also Lending Elite Inc. is an independent mortgage company, licensed by the Texas Department of Savings.
  • Home Key Loans
  • 3005 Scotch Elm Street, Euless, TX, 76039
  • Home Key Loans, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it and also We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. residential lending industry
  • Providence Bank of Texas, ssb
  • 325 East Southlake Blvd., Southlake, TX, 76092
  • Providence Bank of Texas offers a variety of checking and savings accounts for you. Most accounts are accompanied by low-cost services such as internet banking, electronic statements with check images, and debit cards. Accounts require only $100.00 to open and have additional benefits to fit your lifestyle.
  • Ensure Home Loans LLC
  • 950 Deer Hollow Boulevard, Southlake, TX, 76092
  • Ensure Home Loans LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.