USDA Vs. FHA your options comparison in Harwich, Barnstable County, MA
In 2026, the USDA loan limit in Harwich, county of Barnstable, MA stands at $496,800, whereas for a single-family home, the FHA limit is $701,500.
Leverage the Lendersa® USDA loan calculator to compare today's most favorable rates between USDA and FHA programs. Determine the income, credit score, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options alongside one another, helping you choose the best program in for your financial situation.
2026 Loan Limits and Down Payment Requirements in Harwich, County of Barnstable, MA
Loan Type
Loan Limit
Down Payment
USDA
$496,800
0%
FHA
$701,500
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Harwich, MA
The aim of Lendersa® is to provide you with swift access to the best USDA or FHA loan choices without complications. Choose one of three starting points to connect with lenders and explore USDA loan programs:
The USDA home loan, known as the USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture. It's exclusively for rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, a USDA loan requires no down payment, simplifying access to homeownership.
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As a local mortgage broker I am able to help you find the best rates and fees for your personal situation. Whether I am your first choice, or you just want a second opinion, I can help. It is not uncommon for me to be able to offer a similar rate to my competitors while paying most if not all the closing costs associated with a mortgage.
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At first glance, one might think that Idaho Central Credit Union is like any other financial institution. However, many Idahoans like you know better. Idaho Central is the premier credit union in Idaho and offers full-service locations throughout the Treasure Valley, Magic Valley, Eastern Idaho.
