Explore the differences! FHA VS Conventional loan programs in Orchards, Clark County, Washington

As of 2026, the limit for a Conventional loan in Orchards, located in the county of Clark, WA, is $726,200. In contrast, for a single-family home, the FHA limit is $672,750.

The Lendersa® Conventional loan calculator allows you to compare today's best rates among Conventional, FHA, and USDA loans, assessing the necessary income, credit, reserves, and documents needed for qualification. This advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the most suitable program in WA for your financial needs.

Explore loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Orchards, Clark, WA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $478,400 0%
FHA $672,750 3.5%

This table applies to zip codes: 98682

Explore Conventional and FHA Loan Options in Orchards, WA

Lendersa® aims to provide you with the best possible Conventional, USDA, or FHA loan quickly and with minimal hassle. Choose one of these three starting points to be matched with suitable lenders and loan programs.

Results of Lendersa USDA loan requests and matches


Orchards Lenders

  • Brian Stone & PNW Loans
  • 11112 NE 51st Circle, Vancouver, WA, 98682
  • Lends in Washington
  • We call ourselves PNW Loans because we live, work, and play in the Pacific Northwest. That means we don’t get worked up over a little rain, we know all the best hiking trails in the Columbia River Gorge, we’ve dipped our toes in countless inland lakes, and we’ve never met an IPA we didn’t like. From the shore, to the timber.

  • U-Mortgage
  • 201 NE Park Plaza Dr, Suite 135, Vancouver, WA, 98684
  • Lends in Washington
  • Our mission is to serve our clients with honesty, integrity and competence. Our goal is to not only provide home loans, but to educate our clients so they have a complete understanding on how the loan itself works. It is our belief that the more you know and understand how your loan operates.

  • Lloyd White, Jr
  • 13115 NE 4th Street, Suite 160, Vancouver, WA, 98684
  • Lends in Washington
  • Summit Mortgage Corporation - NMLS 3236, NMLS Access https://nmlsconsumeraccess.org/, is a Portland-based direct lender licensed in Oregon, Washington, California, and Idaho. We've been embedded in the Pacific Northwest since 1997. We like to consider ourselves locals and pride ourselves in doing so.

  • NW Funding Group- Bill Black
  • 12411 SE 2nd circle, Vancouver, WA, 98684
  • Lends in Washington
  • We are a full-service mortgage company based in Vancouver, WA. We specialize in Jumbo- 12 month Bank Statement in Vancouver. We also serve the surrounding cities in Clark County. We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, a better rate and term, we can assist you.

  • Key One Financial Inc.
  • 15524 SE Mill Plain Blvd, Suite 200A, Vancouver, WA, 98684
  • Lends in Washington
  • Working with Erin and Key One Financial Inc., you can expect to be kept completely up to date on your loan process, giving you the peace of mind needed to focus on the other aspects of buying a home. Erin addresses the far reaching impact the mortgage will have today and well into the future through his expertise with different situations.

  • DIRECTORS MORTGAGE
  • 315 NE 192nd Ave, Suite, Suite 305, Vancouver, WA, 98684
  • Lends in Washington
  • Directors Mortgage specializes in residential mortgage loans, purchases, refinances, construction loans, reverse mortgages & debt consolidation. Each Sr. Mortgage Specialist on our team has an average of 10 years experience in the mortgage industry. We are no stranger to getting our clients into the homes of their dreams..

  • NorthWest Funding Group
  • 12411 SE 2nd Cir, Vancouver, WA, 98684
  • Lends in Washington
  • The NorthWest Funding Group Team is committed to providing clients with a wide selection of home loans combined with incredible service. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true

  • Granite Home Loans
  • 418 NE 4th Ave, Suite 109, Camas, WA, 98607
  • Lends in Washington
  • Our mission is to provide quality English language instruction through a variety of courses to international and local students in a professional and supportive atmosphere utilizing our unique English teaching methodology.Our mission is to provide quality English language instruction through a variety of courses to international.

  • Creekside Mortgage, Inc.
  • 4601 NE 77th Ave, Suite 100, Vancouver, WA, 98662
  • Lends in Washington
  • You could search the Pacific NW high and low and never find a company more dedicated to you, the borrower. With more than 80+ years of combined experience in the real estate industry, our professionals work hard for you to ensure a smooth and successful transaction. We are committed to quality customer service - putting the people we serve first.

  • Cascade Home Loans
  • 16508 Southeast 24th Street, Suite 102, Vancouver, WA, 98683
  • Lends in Washington
  • Cascade Home Loans Helping others to buy, sell and finance real estate is what drives us and dealing with the challenges along the way. Today there is no shortage of challenges and we believe the constant changes are what keep us excited about this industry. Sure, it would nice if everything was easier but hard things tend to be the better.