FHA VS Conventional loan programs in 2026 for Kalama, Cowlitz County, Washington

In 2026, the limit for a Conventional loan in Kalama, within Cowlitz county, WA, is $726,200, while the FHA limit for a single-family home stands at $472,030.

Utilize Lendersa®'s Conventional loan calculator to compare the best rates available today for Conventional, FHA, and USDA loans. Understand the income, credit, reserves, and documents required for eligibility. Our sophisticated mortgage calculator offers side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you pick the best program in WA for your unique financial needs.

Explore offers from 100 different lenders

2026 Loan Limits and Down Payment Requirements in Kalama, Cowlitz, WA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to the following zip codes: 98625

Conventional and FHA Loan Options in Kalama, WA

At Lendersa®, our mission is to quickly provide you with the most favorable Conventional, USDA, or FHA loan, without any hassle. Choose one of three pathways to match with the right lenders and loan programs.

Results for USDA loan requests matched by Lendersa


Kalama Lenders

  • Mint Valley Federal Credit Union
  • 3325 Washington Way, Longview, WA, 98632
  • Lends in Washington
  • Mint Valley Federal Credit Union will be a financial cooperative committed to providing quality financial services to its members. We will operate primarily within the region, but will service members beyond this area through their places of work, by phone, or by mail as required.

  • Red Canoe Credit Union
  • 1418 15th Ave, Longview, WA, 98632
  • Lends in Washington
  • We're passionate about helping our members achieve their financial dreams. We're dedicated to hiring passionate, knowledgeable, and dependable individuals who are service-oriented and attentive to detail. If you're looking for a rewarding career in the financial industry and enjoy providing excellent customer service.

  • Life Mortgage
  • 842 Washington Way, Suite 110, Longview, WA, 98632
  • Lends in Washington
  • Mann Mortgage has been helping home buyers turn their dream of homeownership into reality for 30 years. We offer a variety of home loan solutions, including FHA, VA, Conventional, FHA 203k (Rehab) financing, USDA, low FICO loan options, investor loans, first time home buyer loans and more. Please select a loan type from the options below to learn

  • Fibre Federal Credit Union
  • 822 Commerce Avenue, Longview, WA, 98632
  • Lends in Washington
  • Fibre Federal Credit Union was founded in 1937. Sixty-three employees of Longview Fibre Company deposited a combined $315 for the purpose of making affordable loans available to credit union members. Over the decades, we have grown to become one of the Lower Columbia region’s largest credit unions.

  • Riverview Community Bank
  • 900 Washington St, Vancouver, WA, 98660
  • Lends in Washington
  • Riverview Bancorp, Inc. is the holding company of Riverview Community Bank, a progressive community-oriented financial institution that emphasizes local, personal service throughout Southwest Washington and the Portland metropolitan area. The Company provides personal and commercial financial solutions through its network of 17 branches.

  • Wealthbridge Mortgage
  • 500 West Eighth Street, Suite 45, Vancouver, WA, 98660
  • Lends in Washington
  • With over three decades in the mortgage industry and thousands of funded loans, we are experts in innovative mortgage financing. Today, challenging mortgage applications often get turned down for being “outside of the box”, but not at Wealthbridge. We want to help build your future, not make it harder.

  • DC Lending LLC
  • 1111 Main Street, Suite 210, Vancouver, WA, 98660
  • Lends in Washington
  • DC Lending started in 1998 as a new family operated mortgage company. As we moved into the second generation of business, one of our sons settled in Portland and another daughter settled in Eastern Washington. With this new generation, our family decided to continue to share our knowledge, and passion for the industry.

  • Davis Financial, LLC
  • 310 West 11th Street, Vancouver, WA, 98660
  • Lends in Washington
  • Davis Financial, LLC founer of Howie Davis 16 years of experience as a loan originator, and with degrees in finance and accounting, my background enables me to provide excellent service and sound advice to my clients. Customer service is the cornerstone of my business. I truly enjoy helping and educating clients about the loan process.