Explore the differences! FHA VS Conventional loan programs in Des-Moines, King County, Washington

This 2026, the limit for a Conventional loan in Des-Moines, found in King county of WA, stands at $891,250. For a single-family house, the FHA limit is $891,250.

The Lendersa® Conventional loan calculator enables you to evaluate the best rates for Conventional, FHA, and USDA loans. You can ascertain the income, credit, reserves, and paperwork required for qualification. Our sophisticated mortgage calculator presents a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, aiding in finding the right program in WA tailored to your financial needs.

Explore loan offers from a selection of 100 lenders

Loan limits and down payments for 2026 in Des-Moines, King, WA

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

This table is applicable to the following zip codes: 98148, 98198

Options for Conventional and FHA loans in Des-Moines, WA

At Lendersa®, we strive to help you secure the most advantageous loan—be it Conventional, USDA, or FHA—swiftly and with ease. Begin from any of these three starting points to connect with corresponding lenders and loan offerings.

Lendersa's USDA loan request and matching findings


  • Delmar Mortgage
  • 1405 N. Green Mount Rd, Suite 250, O Fallon, IL, 62269
  • Delmar Financial Company is a full-service mortgage company helping new and experienced buyers find their dream homes. Delmar Financial offers a wide range of mortgage products that allow us to fit the best loan to the specific needs of each client. Our products range from conventional, Jumbo, FHA, VA, and more.

  • Riverbank Business Capital
  • 444 N Michigan Ave, Chicago, IL, 60611
  • Riverbank Business Capital

    Fueling Real Estate Investment Growth

    Riverbank Business Capital helps investors and entrepreneurs access flexible commercial financing for Multi Family, Mixed Use, Retail, Warehouse, Self Storage, Automotive properties, no income documentation, fast process. Ready to strengthen your cash flow and seize new opportunities, to purchase, refinance or cash-out? We fund fast Call 800-575-7144 or email [email protected].

  • MWRD Employees credit union
  • 100 East Erie Street, Chicago, IL, 60611
  • MWRD Employees Credit Union has been open since 1953. The credit union has assets totaling $42.36 Million and provides banking services to more than 2,000 members.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.

  • Femme Capital Partners LLC
  • 355 East Ohio Street, Suite 2010, Chicago, IL, 60611
  • Femme Capital Partners, LLC is a company by women, for women that understands the challenges that women and minorities face with discrimination for their marital status, familial status and ethnicity. The company will provide that value, paving the way to financial freedom and wealth creation.

  • PartnerOwn LLC
  • 211 East Ohio Street, Suite 510, Chicago, IL, 60611
  • Safe Rate is a full-service mortgage lender based in Chicago offering conventional loan products. We also offer our very own Safe Rate Mortgage for borrowers who have less than a 10% down-payment. We are outsiders, who have reimagined the mortgage industry to put the borrower first, and we hope that you'll join us in our mission.

  • Burling Bank
  • 141 West Jackson Boulevard, Chicago, IL, 60604
  • Burling Bank is a full-service, privately owned retail bank located in the heart of Chicago’s financial district. Burling Bank was founded on the desire to provide a higher level of personalized customer service & to treat all clients with discretion & respect. We offer a full suite of banking products & services to meet the deposit & credit needs.

  • U.S. Employees Credit Union
  • 230 S Dearborn Street, Suite 2962, Chicago, IL, 60604
  • USECU is member-owned, and not run by stockholders. Credit unions are not-for-profit organizations; therefore, we are able to pay higher dividends on deposit accounts, charge lower fees, and offer lower rates on loans. U.S. Employees Credit Union has been helping people achieve financial success since 1953.

  • Wintrust Bank, National Association
  • 231 S LaSalle St, Chicago, IL, 60604
  • Wintrust Bank offers banking solutions tailored to our customers, their needs, and our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events and throw neighborhood cookouts. We believe a bank should be a true asset the a

  • Marquette Bank
  • 6316 South Western Ave, Chicago, IL, 60636
  • We are committed to helping our customers meet their financial goals. Marquette Bank provides convenient offices and accessible drive-thrus near work or home, 24-hour Teller-Phone, over 55, 000 free ATMs worldwide, Mobile Banking, Online Banking and Bill Payment, 24/7 Remote Deposit services for Business.

  • Townstone Financial Inc
  • 329 West 18th Street, Suite 305A, Chicago, IL, 60616
  • Townstone Financial provides customized residential mortgages for purchasing or refinancing homes. Townstone Financial has been making home buying dreams come true for nearly 17 years. We are grateful to every one of our borrowers who have allowed us to grow our lending potential over the last two decades.

  • Bank of Hillsboro
  • 230 S Main St, Hillsboro, IL, 62049
  • Bank of Hillsboro, previously known as, National Bank, is headquartered in Hillsboro, Illinois with 11 branches serving South Central Illinois. Bank of Hillsboro is locally owned by and operated. We believe our local ownership provides valuable Insight into the needs of our communities.

  • Hickory Point Bank & Trust
  • 225 North Water Street, Decatur, IL, 62523
  • Hickory Point Bank is proud to call Central Illinois home. It’s that pride that shapes us and influences the way we interact with our customers and our communities. What affects you, affects us, and that includes everything from the economy to the weather to the results of last night’s games.