USDA Vs. FHA Pro and Con comparison in Falmouth, Barnstable County, MA
For 2026, the USDA loan limit for Falmouth, within the county of Barnstable, MA, stands at $496,800, while the FHA limit is $701,500 for single-family homes.
The Lendersa® USDA loan calculator assists in comparing the current USDA and FHA best rates, and in determining the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator additionally allows for side-by-side comparisons of USDA, FHA, Conforming, and VA loan options, helping you identify the best program for your specific financial situation in .
2026 Loan Limits and Down Payment Requirements in Falmouth, County of Barnstable, MA
Loan Type
Loan Limit
Required Down Payment
USDA
$496,800
0%
FHA
$701,500
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Falmouth, MA
At Lendersa®, we strive to secure the best USDA or FHA loan for you quickly and without hassle. You can start with one of three options to connect with lenders and loan programs that fit your needs.
The USDA home loan, endorsed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specifically available in rural localities. In contrast to FHA loans, which require a down payment of at least 3.5%, USDA mortgage loans eliminate down payment requirements entirely.
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