FHA VS Conventional loan programs in 2026 for Bethel, Kitsap County, Washington

In 2026, the conventional loan limit in Bethel, county of Kitsap, WA is $726,200, whereas the FHA limit for a single-family home reaches $563,500.

Utilize the Lendersa® Conventional loan calculator to compare the best available rates today among Conventional, FHA, and USDA loans. Determine necessary income, credit level, reserves, and documents for qualification. Our sophisticated mortgage calculator offers side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, guiding you to choose the most suitable program in WA based on your financial needs.

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2026 Loan Limits and Down Payment Requirements in Bethel, County of Kitsap, WA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $398,300 0%
FHA $563,500 3.5%

This comparison table is relevant to zip codes: 98367

Conventional and FHA Loan Opportunities in Bethel, WA

Lendersa®'s goal is to help you secure the best Conventional, USDA, or FHA loan quickly and easily. Choose one of three starting options to match with appropriate lenders and loan programs.

Outcomes for USDA loan requests and matches provided by Lendersa


Bethel Lenders

  • American First Lending Corp
  • 450 Port Orchard Blvd, Suite 220, Port Orchard, WA, 98366
  • Lends in Washington
  • American First Lending Corporation is a direct lender focused on superior execution and customer satisfaction. We pride ourselves in providing our clients with superior service while maintaining the highest standard of professional integrity in the ever changing residential lending landscape.

  • Kitsap Credit Union
  • 155 Washington Avenue, Bremerton, WA, 98337
  • Lends in Washington
  • Kitsap Credit Union has a unique culture that is infectious among its employees. We create a safe, fun, and friendly working environment where all employees are valued. To help support our mission of members joining together to build a stronger community, KCU employees are often volunteering in the community or at community events.

  • Bryte Home Loans
  • 5151 Borgen Blvd, Suite 101C, Gig Harbor, WA, 98332
  • Lends in Washington
  • We own homes, work, and raise our families in the same communities where you want to live. Our commitment to excellence extends to the relationships we maintain with local industry professionals, providing you a seamless home-lending experience.Bryte Home Loans is a mortgage company that serves Arizona, California, and Colorado.

  • Mortgage Equities Inc
  • 7116 Stinson Avenue, Suite A-205, Gig Harbor, WA, 98335
  • Lends in Washington
  • Mortgage Equities, Inc. a non-bank lender, founded in 1987 to provide commercial real estate loans to acquire property, develop land parcels, construct buildings, bridge short-term need, seize an opportunity, or find a solution to funding a unique property. Our mission is to provide a fast, efficient, reliable funding service.

  • BestWay Lending Inc,
  • 304 35th Avenue Court Northwest, Gig Harbor, WA, 98335
  • Lends in Washington
  • Best Way Lending takes your loan seriously. We take time to evaluate your situation and give you the advice you can depend on to confidently make the offer on your home. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

  • Northwest Mortgage Services, Inc.
  • 7116 Stinson Avenue, Suite A-205, Gig Harbor, WA, 98335
  • Lends in Washington
  • We're Local. We're Veteran Owned. More importantly, we're truly INDEPENDENT Mortgage Brokers! Northwest Mortgage Services has been helping individuals in Gig Harbor and the surrounding areas buy or refinance homes for over 32 years. Give us a call or shoot us an email and see how we can help you.

  • Fairway Independent Mortgage Corporation
  • 5403 Olympic Drive NW, Suite 100, Gig Harbor, WA, 98335
  • Lends in Washington
  • Fairway Independent Mortgage Buying a home is one of the largest financial decisions you will make in your lifetime. From the very first phone call or meeting, my goal is to be your trusted mortgage advisor, making the process as smooth and efficient as possible. I strongly believe each and every borrower deserves highly personalized service

  • West Seattle Mortgage, Inc.
  • 5400 California Ave SW, Suite B, Seattle, WA, 98136
  • Lends in Washington
  • 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 competitive interest rates and closing costs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • BAINBRIDGE LENDING GROUP, LLC
  • 345 Knechtel Way NE Suite 200, Bainbridge Island, WA, 98110
  • Lends in Washington
  • BLG gives you access to multiple lenders and dozens of loan programs allowing us to help find you a great rate and terms that meet your needs.Most importantly, we fully prequalify you so when you make an offer, local REALTORS will place more trust in an approval letter from us because they know we deliver.

  • Connection Credit Union
  • 10200 Silverdale Way NW, Silverdale, WA, 98383
  • Lends in Washington
  • Connection Credit Union (CCU) was founded in 1958 as the City of Bremerton Employees Credit Union. There were 32 original members, who invested $5 each, so the original assets totaled $160. We expanded by adding City of Port Orchard employees, Kitsap County employees and merged Kitcom credit union into our membership base.