FHA VS Conventional loan programs in Lacey, Thurston County, Washington

For 2026, the conventional loan limit in Lacey, within Thurston county in WA, is set at $726,200. Meanwhile, the FHA limit for a single-family residence is $546,250.

Explore today's top Conventional, FHA, and USDA loan rates using the Lendersa® Conventional loan calculator. Examine the income, credit standing, reserves, and necessary documents for qualification. This advanced calculator presents Conforming Conventional loans alongside USDA, FHA, and VA options side by side, assisting you in selecting the best suitable program in WA for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Lacey, County of Thurston, WA

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $381,800 0%
FHA $546,250 3.5%

This comparison table pertains to the following zip codes: 98503, 98516, 98509

Discovering Options for Conventional and FHA Loans in Lacey, WA

Lendersa® is committed to offering the fastest and easiest way to obtain the best possible Conventional, USDA, or FHA loan. Begin your journey by selecting one of the three pathways to connect with highly compatible lenders and tailored loan programs.

Results from Lendersa USDA loan request and matching


  • First American Bank (Chicago)
  • 700 Busse Road, Elk Grove Village, IL, 60007
  • At First American Bank, we're small enough to provide the personal attention that makes you comfortable coming to us for a multi-thousand-dollar auto loan. As the largest privately held bank in Illinois, we're big enough that you can also get multi-million-dollar financing if your company exports auto parts – or anything else.

  • Z Reverse Mortgage
  • 836 S Arlington Heights Rd, Suite 182, Elk Grove Village, IL, 60007
  • Z Reverse Mortgage is a free informational resource for seniors and their families on the reverse mortgage process. We provide senior citizens with all the necessary information and assistance in order to identify the right loan programs, determine property value, and begin the process.

  • Itasca Bank & Trust Co.
  • 308 W. Irving Park Road, Itasca, IL, 60143
  • Itasca Bank & Trust Co. would like the opportunity to earn your business. Our bankers take the time to get to know you, your objectives, and your strategic plan. We'll work with you to help uncover financing options available for managing your business and create a banking package tailored to your business needs.

  • Abri Credit Union
  • 1350 Renwick Rd, Romeoville, IL, 60544
  • Abri Credit Union is a community based financial institution headquartered in Romeoville, IL. There are community branches located in Frankfort, Joliet, Lockport, Plainfield, and Woodridge. There are also branches with limited access located at Argonne National Laboratory, Fermi National Laboratory, and the Joliet Township High Schools.

  • RDS Mortgage Corporation
  • 14722 South Naperville Road, Unit 104, Plainfield, IL, 60544
  • RDS Mortgage Corporation, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.

  • INSIGNIA Financial Services, LLC
  • 1020 Milwaukee Avenue, Deerfield, IL, 60015
  • INSIGNIA Financial Services LLC is a non-bank lender and capital markets advisory firm. We provide access to a broad array of debt and equity capital for real estate investments in all markets, nationwide and Our lending and debt placement process enables savvy real estate investors, entrepreneurs and business owners to seize opportunity

  • Discover Financial Services
  • 2500 Lake Cook Rd, Deerfield, IL, 60015
  • Our lending products and payment services go far beyond consumer credit, to enable millions of merchants to run their businesses, to explore new markets, power fin-tech companies and most importantly—help people to build a brighter financial future.The Discover Network provides card acceptance at millions of businesses and cash access locations.

  • Wool Finance Partners, LLC
  • 1121 Lake Cook Road, Suite L, Deerfield, IL, 60015
  • Wool Finance Partners, LLC is active in the placement of debt and equity for institutional quality office, retail, industrial, healthcare, hospitality and multifamily properties. Our approach is relationship-oriented, seeking to build upon an impressive client base of developers and lenders.

  • Prism Mortgage
  • 770 Lake Cook Road, Suite 145, Deerfield, IL, 60015
  • Prism Mortgage has 30 years of experience in the residential and commercial real-estate industry. Prism Mortgage LLC, Chicago's leading group of financial advisors here to serve your entire mortgage lending needs. Strict, new federal and state regulations have imposed dramatic changes upon the mortgage lending process.

  • Cambridge Lending Group Inc
  • 1020 Milwaukee Avenue, Suite 232, Deerfield, IL, 60015
  • Cambridge Lending Group has established itself as a trusted resource and respected mortgage leader in the Chicago’s North Shore community. we have helped thousands of clients find the optimal mortgage plan tailored to their needs, and provided successful solutions for those who have previously been turned down by other lenders.

  • Infiniti Financial Group Inc
  • 1020 Milwaukee Avenue, Suite 230, Deerfield, IL, 60015
  • Our mortgage brokers know what they’re doing. They use the latest comparative analysis software which allows them to research and compare various loan programs to find the best option to meet your needs. We take pride in treating our clients with honesty and integrity. We have many very happy costumers.

  • Smart Mortgage Center - Patty Harrison
  • 16151 S Lincoln Highway, Plainfield, IL, 60586
  • Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate