FHA VS Conventional loan programs in Manchester, Kitsap County, Washington

In the year 2026, the limit for a conventional loan in Manchester, Kitsap County, WA, is $726,200, while the FHA cap is $563,500.

Use Lendersa®'s Conventional loan calculator to compare today's leading rates for Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and documents for qualification. Our advanced tool shows side-by-side views of Conforming Conventional, USDA, FHA, and VA loans to help select the best program in WA for your financial situation.

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2026 Loan Limits and Down Payments in Manchester, Kitsap County, WA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $398,300 0%
FHA $563,500 3.5%

Applies to zip codes: 98366

Conventional and FHA Loan Options in Manchester, WA

The aim of Lendersa® is to provide you with top-tier Conventional, USDA, or FHA loans swiftly and effortlessly. Start with one of three options to connect with matching lenders and loan programs.

Lendersa USDA loan requests and matches


Manchester Lenders

  • American First Lending Corp
  • 450 Port Orchard Blvd, Suite 220, Port Orchard, WA, 98366
  • Lends in Washington
  • American First Lending Corporation is a direct lender focused on superior execution and customer satisfaction. We pride ourselves in providing our clients with superior service while maintaining the highest standard of professional integrity in the ever changing residential lending landscape.

  • Kitsap Credit Union
  • 155 Washington Avenue, Bremerton, WA, 98337
  • Lends in Washington
  • Kitsap Credit Union has a unique culture that is infectious among its employees. We create a safe, fun, and friendly working environment where all employees are valued. To help support our mission of members joining together to build a stronger community, KCU employees are often volunteering in the community or at community events.

  • BAINBRIDGE LENDING GROUP, LLC
  • 345 Knechtel Way NE Suite 200, Bainbridge Island, WA, 98110
  • Lends in Washington
  • BLG gives you access to multiple lenders and dozens of loan programs allowing us to help find you a great rate and terms that meet your needs.Most importantly, we fully prequalify you so when you make an offer, local REALTORS will place more trust in an approval letter from us because they know we deliver.

  • West Seattle Mortgage, Inc.
  • 5400 California Ave SW, Suite B, Seattle, WA, 98136
  • Lends in Washington
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with competitive interest rates and closing costs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Blue Square Mortgage LLC
  • 4212 33rd Avenue West, Seattle, WA, 98199
  • Lends in Washington
  • Blue Square Mortgage, customers always come first. Anytime you have a question or concern, you can get the support you need. We are here to guide you through the entire mortgage process from start to finish. We don't look at your successful purchase of your first home through Blue Square Mortgage as an ending. We see it as a beginning

  • Connection Credit Union
  • 10200 Silverdale Way NW, Silverdale, WA, 98383
  • Lends in Washington
  • Connection Credit Union (CCU) was founded in 1958 as the City of Bremerton Employees Credit Union. There were 32 original members, who invested $5 each, so the original assets totaled $160. We expanded by adding City of Port Orchard employees, Kitsap County employees and merged Kitcom credit union into our membership base.

  • Seattle Credit Union
  • 1521 1st Ave S, Suite 500, Seattle, WA, 98134
  • Lends in Washington
  • We’re Seattle’s credit union, and whether you’re a local or new to Seattle, we’re your partner in growth and prosperity. We’ve been part of Seattle since 1933, investing in our collective future, helping fuel the economy, and supporting our diverse communities through boom and bust.

  • BALLARD MORTGAGE COMPANY
  • 1711 W Nickerson St, Suite A, Seattle, WA, 98119
  • Lends in Washington
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • ICS Loans Commercial Mortgage
  • 5608 17th Avenue NW, Seattle, WA, 98107
  • Lends in Washington
  • ICS is a vertically integrated correspondent commercial mortgage lending company. We have the largest network of commercial and investment real estate lenders in the nation. ICS processes, underwrites, and funds loans for commercial mortgage brokers and investors through our long-term commercial lending relationships with Banks, Private Lenders.

  • The Mortgage Broker LLC
  • 334 NW 51st Street, Seattle, WA, 98107
  • Lends in Washington
  • At The Mortgage Broker LLC, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. The Mortgage Broker LLC, where we specialize in residential mortgages.