Can you swim at the falls or do you have to go to the lake ?

You need to watch for drop offs under the water,you will be waist deep then the next step will be way over your head

Shawna, we have stayed at Falls Campground many times. At the campground where Blaine Creek takes a near 90degree turn, there is a swimming hole out from the beach. Depth depends on water level of course. I'd estimate it 6-8 ft deep.

Ok we have small kids that don't know how to swim aand wanted something for them to play in.... do we have to pay anything

Not really deep enough for swimming, but you could wade in the water