In 2026, 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.
Understanding 2026 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.
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.
Mechanics Cooperative Bank is proud to be a local community bank, focused on supporting the banking needs of local families and local small businesses. We have products and services that can match any financial institution and offer a more in-depth understanding of the local business market.
SCU Credit Union, you can take advantage of our full range of deposit accounts, loans, and related services featuring highly competitive rates. We are a leading provider of home and auto financing throughout our service area. We offer the latest technology, which allows you access to your accounts from your home, office or on the go.
HarborOne Bank has been serving the needs of customers and the communities that we call home for over 100 years. Today, HarborOne has 26 branches in southeastern Massachusetts and Rhode Island and commercial lending offices in Boston and Providence. HarborOne Mortgage, headquartered in Manchester
It takes more than physical location to be part of a neighborhood; it takes a dedicated, unwavering determination to help better the community & the lives of its residents. Since we live & raise our families in the towns we serve, our interests & those of our customers overlap.We all benefit from having a thriving, safe & culturally rich community.
St. Anne's Credit Union has been providing financial products and banking services since 1936. St. Anne's has over 150 employees servicing ten locations including Dartmouth, Fairhaven, Fall River, New Bedford, Somerset, Swansea, Westport and The Lending Center in Plymouth. St. Anne’s was selected for the fifth year in a row #1 Credit Union by the p
Fall River Pawnbrokers was established in 1995 with our first pawn shop operation opening its doors in Fall River, Massachusetts. For over 24 years we have contributed to serving working families and communities by providing a wide range of financial services for people of all ages and backgrounds.
At Peoples Choice Mortgage we value our family. In turn, we treat all of our clients like family. We know that understanding finances isn’t always a straight path. That’s why we work to develop and educate all of our clients throughout the loan process. Our focus is empowering you to make a financial choice that fits your needs.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
At Right Key Mortgage, we educate our borrowers to make this a worry-free process, from pre-qualification to close – that’s our promise to you! We're here to make the home loan process as simple as possible. We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership.
Liberty Bay Credit Union is a cooperative, non-profit financial institution that offers a full range of financial services to our individuals and business members. And because we are member-owned, instead of paying dividends to outside stockholders, we return our profits to our members in the form of higher rates on deposits and lower rates on loan
100 Grandview Road, Suite 105, Braintree, MA, 02184
Harbor Mortgage Solutions was founded on a few core values: integrity, expertise, and outstanding service. We believe that homeowners—especially seniors and their families—should feel comfortable and confident about their home financing/equity decisions, including the partners they choose.
