USDA and FHA Pro and Con in Sandwich, Barnstable County, MA

For 2025, the USDA loan limit within Sandwich, located in Barnstable, MA is $496,800. Comparatively, the FHA loan limit for a single-family home is $701,500.

Use the Lendersa® USDA loan calculator to effectively compare the current best rates of USDA against FHA loans. Evaluate income, credit scores, reserves, and necessary document requirements for qualification. Our comprehensive mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the right program in for your unique financial situation.

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Loan Limits and Down Payment Requirements for 2025 in Sandwich, Barnstable, MA

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

USDA and FHA Loan Programs in Sandwich, MA

The objective at Lendersa® is to efficiently help you obtain the best USDA or FHA loan without complications. Choose one of three starting points that result in matches with suitable lenders and USDA loan offerings.

Lendersa USDA loan request and result matching

Understanding USDA Loans in MA

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • Loan Advisor Group Inc.
  • 908 S Village Oaks Dr, Suite 200, Covina, CA, 91724
  • 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.
  • Pacific Loanworks, Inc
  • 461 Grand Ave, Covina, CA, 91724
  • Pacific Loanworks, Inc. has been a family-run company specializing in Trust Deed loans and investments for over a decade. We have an unwavering commitment to quality product and service for both borrowers and investors. Our track record is impeccable and we have hundreds of satisfied return clients
  • mrmortgage.us
  • 4380 Bonita Rd, Bonita, CA, 91902
  • At MrMortgage.US. We are a full-service mortgage company based in Bonita, CA. We specialize in VA, Conventional, FHA and USDA loans, Purchase & Refinancing in California statewide. We also serve the surrounding cities in San Diego County. Whether you are buying a home or refinancing, we will protect your bottom line.
  • Sam Calvano Home Loans
  • 4386 Bonita Rd, Bonita, CA, 91902
  • At Sam Calvano Home Loans our people make the difference from the application to the final approval. Technology meets superior service to provide progressive and personalized loan programs. Our goal is to make the loan process brief and pleasant. A highly experienced and well respected businessman Sam Calvano has built his reputation on results.
  • eMortgage Lending, Inc.
  • 4380 Bonita Rd, Bonita, CA, 91902
  • eMortgage Lending, Inc. has built a strong reputation as an outstanding mortgage banker, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state of California.We’re a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending.
  • C3bank, National Association
  • 850 S. Coast Hwy 101, Encinitas, CA, 92024
  • C3bank is a customer focused banking institution. The clients we serve and the relationships we have developed are just as important as the accounts we maintain. We are committed to offering premier banking services and continuous improvement of our product lines and offerings. C3bank founded in 1981.
  • Crest Funding Group Inc
  • 625 Ezee Street, Encinitas, CA, 92024
  • We are truly passionate about our profession & the result is that nearly 100% of our business is by referral from satisfied clients, trusted financial advisors & the most experienced Realtors in the country. Our mission is to guide you through the entire home loan process, so that you feel confident about the options available for you.
  • Rancho Coastal Realty, Inc
  • 4405 Manchester Avenue, Encinitas, CA, 92024
  • Rancho Coastal Funding is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you
  • Citywide Financial Corp
  • 417 Hickoryhill Drive, Encinitas, CA, 92024
  • The Express Mortgage Approval is a special service we have created to help simplify the loan application and approval process, so you can obtain your approval easier and faster. Our online loan application only takes a few minutes to fill out. Upon receipt of the application, we will complete your loan approval within 24 hours.
  • MJS Mortgage
  • 1345 Encinitas Blvd, Suite 401, Encinitas, CA, 92024
  • 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.