USDA VS FHA in Buzzards-Bay, Barnstable County, MA

As of 2025, the USDA loan limit for Buzzards-Bay in Barnstable County, MA, is $408,200, whereas the FHA loan limit for a single-family home is $506,000.

Utilize the Lendersa® USDA loan calculator to effectively compare today's leading rates for USDA versus FHA loans. Determine the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA options side by side, helping you choose which program in fits your unique financial needs best.

Explore loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Buzzards-Bay, Barnstable County, MA

Loan Type Loan Limit Down payment
USDA $408,200 0%
FHA $506,000 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Buzzards-Bay, MA

Lendersa® is committed to securing you the most advantageous USDA or FHA loan effortlessly. Initiate with one of three paths to align with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

The USDA home loan, guaranteed by the government Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages require none.

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



  • Vault Funding Group
  • 421 South 9th Street, Suite 117, Lincoln, NE, 68505
  • Vault Funding Group is a residential and commercial mortgage lending firm with its home office based in Lincoln Nebraska and branch offices located in Atlanta Georgia and Las Vegas Nevada. As a member of the business community for several years, Vault Funding Group is also a licensed, bonded mortgage brokerage firm.
  • Citizens State Bank, of Arlington
  • 128 Main St, Arlington, SD, 57212
  • Founded in 1901, Citizens State Bank is a community bank committed to offering useful financial products and standout customer service. We are dedicated to providing banking solutions that will make you glad that you chose our Bank. With over 100 years of service to our community, the Citizens State Bank is your hometown bank.
  • East River Federal Credit Union
  • 220 S Harth Avenueq, Madison, SD, 57042
  • East River Federal Credit Union was founded in October 1956 through the vision of several early members who pooled their resources to create a credit union. Today, we are a healthy, growing, stable financial institution committed to the success and financial well-being of our members and our community.
  • First State Bank of the Florida Keys
  • 1201 Simonton Street, Key West, FL, 33040
  • We’ve always been about community. First State Bank has a long history of serving, reaching out, and connecting in the Florida Keys. We started out in 1955, with a single Key West branch and a handful of employees. As the Keys community grew, so did the Bank, steadily adding more services and branches.
  • Southernmost Federal Credit Union
  • 1004 Kennedy Dr, Key West, FL, 33040
  • You become an owner of the credit union with your membership. Because of the cooperative effort of all members, your credit union offers several advantages over other costly financial institutions. Your membership is effective as long as you maintain a $5 minimum Share Account balance.
  • Monroe County Teachers Federal Credit Union
  • 1442 Kennedy Drive, Key West, FL, 33040
  • The Monroe County Teachers Federal Credit Union is a not-for-profit, cooperative financial institution serving its members since 1950 with a wide range of services to meet all their financial needs. As a member, you actually are a owner of the credit union. Once you join the credit union, you are always a member.
  • Keys Federal Credit Union
  • 3022 N. Roosevelt Blvd, Key West, FL, 33040
  • In 1940, a group of naval station employees received a federal charter and founded NAVSTA Federal Employees Credit Union. Our founders believed if they pooled their money together, they could provide more affordable financial services for everyone. They had a vision, and over 80 years later their vision has become Keys Federal Credit Union!
  • Keys Financial Mortgage Corp
  • 302 Southard Street, Suite 212, Key West, FL, 33040
  • Keys Financial Mortgage is a mortgage brokering institution that prides itself in providing high quality home loan services to the public. It is our mission to provide high quality mortgage programs at the most competitive rates. Our goal is to provide our clients with the resources of the nation’s best lenders,
  • Express Mortgage llc
  • 604 S 4th St, Van Buren, AR, 72956
  • "Express Mortgage has been serving Arklahoma proudly for over 10 years. We look forward to answering any questions you may have regarding our services. Express Mortgage offers every mortgage product imaginable ... conforming FNMA/FHLMC ... government FHA ... reverse mortgage ... and VA. Our expertise lies in outstanding customer service"
  • Adams State Bank
  • 649 Main St, Adams, NE, 68301
  • Although it doesn’t claim the prominence of age that many of its neighbors in southeastern Nebraska do, Adams State Bank does have the distinction of being one of the state’s five-generation banks, as well as the honor of having a past president of the Nebraska Bankers Association as its President.