USDA VS FHA in Chatham, Barnstable County, MA

In 2025, the USDA loan threshold in Chatham, within Barnstable county of MA, is set at $496,800, whereas the FHA limit for a single-family residence is $701,500.

Utilize the Lendersa® USDA loan calculator to effectively compare today's USDA and FHA top rates, evaluating income, credit, reserves, and documents required for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the program in Alabama that best suits your financial needs.

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Understanding 2025 loan limits and downpayment specifics in Chatham, Barnstable, MA

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

Available USDA and FHA loan options in Chatham, MA

Lendersa® aims to help you secure the optimal USDA or FHA loan with efficiency and ease. Begin with any of the three starting points that connect you with matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

The USDA home loan, a mortgage backed by the Department of Agriculture, commonly known as the USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA loan requires none, providing a beneficial option for eligible homeowners.

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



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