2026 loan limits in Barnstable County, Massachusetts
In Barnstable County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $828,000.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$828,000High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$858,031Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $828,000 |
| 2 units | $1,066,250 | $1,060,000 |
| 3 units | $1,288,800 | $1,281,300 |
| 4 units | $1,601,750 | $1,592,350 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Barnstable County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $858,031.
Questions
What is the 2026 conforming loan limit in Barnstable County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Barnstable County?
$828,000 for a one-unit home.
More for Barnstable County
Barnstable County property taxesFHA loan limits toolMassachusetts closing costsBarnstable 02630 market dataBrewster 02631 market dataBuzzards Bay 02532 market dataCataumet 02534 market dataCenterville 02632 market dataChatham 02633 market dataCotuit 02635 market dataCummaquid 02637 market dataDennis 02638 market dataDennis Port 02639 market data
2026 limits from HUD’s county files (Barnstable Town, Ma). Conforming limits are set by the Federal Housing Finance Agency.