FHA VS Conventional loan in Federal-Way, King County, Washington

In 2026, the Conventional loan limit in Federal-Way, located in the county of King, WA, is $891,250. In contrast, the FHA limit for a single-family home is $891,250.

With Lendersa® Conventional loan calculator, you can compare the top rates for Conventional, FHA, and USDA loans today. You'll be able to assess the income, credit score, reserves, and documentation necessary to qualify. This advanced tool presents a side-by-side view of Conforming Conventional loans along with USDA, FHA, and VA options, enabling you to choose the most suitable program in WA for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Federal-Way, King, WA

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

This comparison table is applicable to the following zip codes: 98023

Exploring Conventional and FHA Loan Options in Federal-Way, WA

Lendersa® strives to quickly secure the best available loan, be it Conventional, USDA, or FHA, with minimal hassle. Choose one of three paths to connect with matching lenders and appropriate loan programs.

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Federal-Way Lenders

  • Sound Credit Union
  • PO Box 1595, Tacoma, WA, 98401
  • Lends in Washington
  • A Northwest original since 1940, we’re one of Washington State’s largest credit unions, driven by the purpose of standing with members, employees and the community through all waves of life. Sound provides authentic and trusted financial support and services with full-service branches around the Puget Sound. credit unions,

  • TAPCO Credit Union
  • PO Box 64369, Tacoma, WA, 98464
  • Lends in Washington
  • Founded in 1934 by nine employees of the City of Tacoma who weren’t getting the financial help they needed at traditional banks, TAPCO Credit Union has always been committed to working families. Originally opened as City Credit Union of Tacoma, our first branch was located under the stairs of the Old City Hall in downtown Tacoma.

  • The Columbia Bank
  • 1301 A St, Tacoma, WA, 98402
  • Lends in Washington
  • Columbia Bank is a Northwest community bank headquartered in Tacoma, Washington, with comprehensive solutions and expertise to meet the evolving needs of businesses and individuals.

    Growth is vital to remaining a preferred option for customers. It advances the services and expertise we provide on their behalf

  • Crux Commercial Partners
  • 732 Broadway St, Suite 301, Tacoma, WA, 98402
  • Lends in Washington
  • Crux Commercial Partners is a boutique commercial real estate finance firm that specializes in value add solutions for our clients. Our diverse web of relationships and unparalleled industry knowledge carry across local banks/credit unions, large regional banks, CMBS issuers, SBA, Fannie Mae/Freddie Mac and affluent private lenders.

  • Emerald Pacific Capital LLC
  • 535 Dock Street, Suite 111, Tacoma, WA, 98402
  • Lends in Washington
  • Emerald Pacific Capital LLC was created to be different. When we started this company our vision was to create a company that would be able to help our clients win in life and finances. Our desire is to be unique in the way we provide opportunities for our clients to improve their financial situation through mortgages.

  • Penny Lane Financial
  • 1804 W Union Ave, Suite 202, Tacoma, WA, 98405
  • Lends in Washington
  • Penny Lane Financial we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use common sense in consulting with you to obtain the best loan possible for your personal unique needs. We provide top-tier quality rates from a wide range of A-rated lenders.

  • Wave Lending Group
  • 8602 Canyon Rd East, Puyallup, WA, 98371
  • Lends in Washington
  • wave Lending group is a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from a purchase to refinance. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with great rates, terms

  • Harborstone Credit Union
  • 4720 Center St, Tacoma, WA, 98409
  • Lends in Washington
  • Harborstone Credit Union has branch locations in King, Pierce, and Thurston counties to serve our members. Which means we're big enough to offer a wide variety of products and services yet small enough to offer a pleasant and personable atmosphere. When you join Harborstone, you become a part owner of our not-for-profit organization.

  • Cascade Federal Credit Union
  • 18020 80th Avenue S, Kent, WA, 98032
  • Lends in Washington
  • Established in 1952, Cascade FCU originally served employees of the Cascade Division of the Great Northern Railway. Through railroad mergers, the Burlington Northern Santa Fe developed, which is our largest employee group. In 1982, credit union regulations began allowing credit unions to serve additional employee groups.

  • Rhonda Porter - Mortgage Master Service Corp.
  • 20425 72nd Avenue S, Suite 210, Kent, WA, 98032
  • Lends in Washington
  • Rhonda Porter is a Licensed Mortgage Originator MLO121324 living in the greater Seattle area. Rhonda began her career in 1986 in the title and escrow industry and joined Mortgage Master Service Corporation as a Loan Officer in 2000 and began blogging in 2006. Mortgage Master Service Corporation (NMLS ID#40445) is owned by the Porter family.