USDA VS FHA in Harwich, Barnstable County, MA

In 2025, 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.

Compare loan offers from 100 lenders for the best fit to your needs.

2025 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:

Lendersa USDA loan request and matching results

Understanding the USDA Loan in MA

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.

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



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