FHA VS Conventional loan programs in 2025 for Cottage-Lake, King County, Washington

In 2025, the Conventional loan limit for Cottage-Lake, in King County, WA, is $891,250. Meanwhile, the FHA limit for a single-family home is $891,250.

With Lendersa®'s Conventional loan calculator, compare the best rates for Conventional, FHA, and USDA loans today. Assess the income, credit, reserves, and documents necessary to qualify. Our advanced calculator provides side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA, helping determine which program in WA suits your financial situation best.

Explore loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Cottage-Lake, King County, WA

Loan Type Loan Limit Minimum Down Payment
Conventional Conforming $891,250 3%
USDA $659,800 0%
FHA $891,250 3.5%

The comparison table is relevant for zip codes: 98072, 98077

Conventional and FHA Loan Options in Cottage-Lake, WA

Lendersa® aims to swiftly secure the best possible Conventional, USDA, or FHA loan for you without difficulty. Choose one of three pathways that result in matching lenders and loan programs tailored to your needs.

USDA loan request and results from Lendersa


  • Contempo Lending, Inc
  • 475 E. Tahquitz Canyon Way, Palm Springs, CA, 92262
  • "Contempo Lending, Inc. We are a locally owned and operated Mortgage Broker located in beautiful Palm Springs, CA. When you choose Contempo Lending as your mortgage broker you are promised outstanding service and you can have the confidence that you are getting the best rate possible."
  • Novus Home Mortgage, a division of Ixonia Bank
  • 2119 McCulloch Blvd N, Lake Havasu City, AZ, 86403
  • We offer full documentation, no documentation, bank statement programs, DSCR (Investment properties), asset depletion, land loans, commercial, OTC construction and cross-collateralized loans too. My commitment to honesty and integrity and extensive knowledge have made me a “go-to guy” for borrowers and other mortgage and real estate professionals.
  • HORIZON COMMUNITY BANK
  • 225 N. Lake Havasu Ave., Lake Havasu City, AZ, 86403
  • Chartered in 2002, one of the older charters in the state and one of only 13 charters in Arizona, Horizon Community Bank initially opened in Lake Havasu City and soon expanded throughout Mohave and La Paz Counties. In 2015, Horizon Community Bank entered the Greater Phoenix Metro market.
  • Summerlin Financial Inc
  • 349 Lake Havasu Ave S, Suite 106, Lake Havasu City, AZ, 86403
  • Summerlin Financial is committed to helping you reach your home financing goals, whatever they may be. We have unique loan programs to complement your unique needs. Connect with one of our experienced mortgage professionals to get started today. We are committed to quality customer service
  • Hi-Tech Mortgage, Inc
  • 2184 McCulloch Blvd, Suite A, Lake Havasu City, AZ, 86403
  • Hi-tech Mortgage, Inc was founded in 2007, and is located at 2184 Mcculloch Blvd N B in Lake Havasu City. Hi-Tech Mortgage, Inc. offers Lake Havasu City, AZ mortgage programs to fit your budget. Helping people get the best loan for their mortgage refinance or purchase For practical and knowledgeable advice and options, give us a call.
  • Mint Mortgage LLC
  • 31021 Troutdale Ridge Road, Evergreen, CO, 80439
  • Mint Mortgage is committed to find the best loan program for your needs. Our company is different than most because we operate as brokers to look across available wholesale lenders that offer financing in Colorado. We have very little overhead, so the lowest rate is passed directly to you.
  • Loan Zone Mortgage, LLC.
  • 28225 Hwy 74, Suite 202, Evergreen, CO, 80439
  • The Loan Zone Mortgage, LLC. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Fox Valley Mutual Inc
  • 2942 Evergreen Parkway, Suite 425 C, Evergreen, CO, 80439
  • Our mission is to offer the best mortgage rates and minimal closing costs while providing outstanding service! We understand that purchasing or refinancing your home is one of the most important decisions you will make in your lifetime. As such, we believe it is our responsibility to guide you through the mortgage process as a trusted advisor.
  • Colorado Hard Money
  • 1153 Bergen Parkway, Suite 227, Evergreen, CO, 80439
  • Fairview is a private commercial and residential lender. We are a direct lender with no upfront fees. We strictly lend our own money and hold / service all of our own loans. All decisions are made in house which allows us to close loans quickly. When you work with Fairview, you work directly with the decision makers
  • Orion Mortgage Inc
  • 10560 Wadsworth Boulevard, Broomfield, CO, 80021
  • Orion Mortgage, Inc. provides education for both potential borrowers and professionals. Don Opeka, CSA has two Reverse Mortgage seminars that lay out the facts, dispel the myths and provide actionable steps for how to use your home to stay in your home. His seminars, "Reverse Mortgage Myths - Real Stories Behind the Loans
  • Sigma Mortgage Corporation
  • 390 Interlocken Crescent, Suite 350, Centennial, CO, 80021
  • SigmaPro is a leading provider of business transformation (turnaround) consulting services. With decades of experience in strategy, performance assessment, performance improvement, Lean, Lean Six Sigma, Design for Six Sigma (DFSS), operations excellence, business model validation, revenue and margin optimization.