FHA VS Conventional loan programs in 2026 for Olympia, Thurston County, Washington

In 2026, the conventional loan limit for Olympia, in the county of Thurston, WA, is $726,200. Meanwhile, the FHA limit for a single-family residence is $546,250.

Take advantage of the Lendersa® Conventional loan calculator to review and compare the best available rates for Conventional, FHA, and USDA loans today. This tool assesses the income, credit, reserves, and documentation required for eligibility. Our advanced mortgage calculator places Conforming Conventional loans alongside USDA, FHA, and VA options, aiding your decision on the most beneficial program in WA for your financial conditions.

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Loan limits and down payment needs for 2026 in Olympia, county of Thurston, WA

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

The above comparison table is relevant for the zip codes: 98501

Exploring Conventional and FHA loan offerings in Olympia, WA

Lendersa® is committed to providing the most suitable Conventional, USDA, or FHA loans efficiently and conveniently. Start with one of three options to connect with matching lenders and tailored loan programs.

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Olympia Lenders

  • evergreenDIRECT Credit Union.
  • 6001 Capitol Boulevard SW, Tumwater, WA, 98501
  • Lends in Washington
  • evergreenDIRECT Credit Union is owned by each and every member that we serve. It's no surprise our sole focus is to provide quality, flexible services to our members at a reasonable price. Something we call "Banking. At your speed.Banks, on the other hand, are different. They have shareholders and investors to whom they have to pay large profits.

  • St. Julien Home Loans
  • 204 Custer Way SW, Suite 102, Tumwater, WA, 98501
  • Lends in Washington
  • St Julien Home Loans is a family-owned mortgage solutions company with over 42 years of experience. Located in Tumwater, Washington we service loans all across the state and partner with several banks and credit unions. Founded in 2005 by Bonnie and Wendy St. Julien, a mother and daughter team.

  • NTFN, INC
  • 711 CAPITOL WAY S, Suite 204, Olympia, WA, 98501
  • Lends in Washington
  • NTFN is a full service mortgage banker established in 1992 originally as Park Cities Mortgage. It was started by two men that felt they could create a better experience for their borrowers. They founded the company on the premise of excellent service, increased control and a faster more flexible process

  • Accel Mortgage
  • PO Box 11206, Olympia, WA, 98508
  • Lends in Washington
  • "Accel Mortgage We believe in the value of honest, ethical business dealings, and in unsurpassed customer service.We want you to not only be happy with your home but also with the mortgage program.

    Whether you are in need of a mortgage for a refinance or a home purchase, we will help you find
    the mortgage that best fits your needs

  • Olympia Federal Savings and Loan Association
  • 421 Capitol Way S, Olympia, WA, 98507
  • Lends in Washington
  • Olympia Federal Savings began in 1906 in downtown Olympia remaining a mutual savings and loan, owned by our account holders ever since. With loans and deposits staying local, you can rest-assured knowing your dollars are reinvested back into the community in which you work and live.

  • TwinStar Credit Union Lakewood
  • PO Box 718, Olympia, WA, 98507
  • Lends in Washington
  • TwinStar is a community credit union in the Pacific Northwest with more than 100, 000 members and over $1 billion in assets. Our reputation for providing value and empowering the community stretches beyond the borders of Washington State and Oregon, where our 20 branches are located.

  • O Bee Credit Union
  • PO Box 5000, Lacey, WA, 98509
  • Lends in Washington
  • O Bee Business team offers creative, common-sense financing designed to fit your specific business needs. Each business we work with comes to us with dreams, goals and a lot of grit. We focus on logical steps to make it happen. We’ve been helping small, medium and large sized businesses grow and profit for more than 15 years.

  • Grimm Mortgage Services
  • 7311 20th Avenue Southeast, Olympia, WA, 98503
  • Lends in Washington
  • Thomas W Grimm has Over 25 years experience in mortgage lending. Thomas work with multiple lenders to ensure he can find just the right loan for you and at a fair price. If You have a question about your loan, Never be in the dark again. Thomas do his best to answer all calls and texts from 8 am to 10 pm PST, 7 days a week.

  • Cornerstone Home Mortgage
  • 4520 Intelco Loop SE, Suite 1A, Lacey, WA, 98503
  • Lends in Washington
  • Cornerstone Home Mortgage, 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 and your family from the many mortgage.

  • Mortgage Northwest
  • 507 Hidden Forest Drive, Olympia, WA, 98513
  • Lends in Washington
  • We are a full-service mortgage company based in Olympia, WA. We specialize in Refinance, Home Purchase, Loans, and Great Rate Mortgages in Olympia, Lacey, Tumwater, Yelm, Tacoma, Shelton, Centralia, Chehalis, and Dupont. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.