FHA VS Conventional loan in Othello, Adams County, Washington

In the year 2026, the conventional loan ceiling in Othello, located in the county of Adams, WA, is $726,200. Concurrently, the FHA limit for a single-family residence stands at $472,030.

Try out Lendersa®'s Conventional loan calculator to evaluate the current best rates for Conventional vs. FHA vs. USDA mortgages. This tool helps determine the required income, credit, reserves, and documentation for qualification. Using our sophisticated mortgage calculator, you can compare Conforming Conventional loans with USDA, FHA, and VA options side by side, making it easier for you to choose the best plan for your finances in WA.

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Loan thresholds and down payment requirements for 2026 in Othello, county of Adams, WA

Type of Loan Limit on Loan Downpayment
Conforming Conventional $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparative table applies to the following zip codes: 99344

Available options for Conventional and FHA loans in Othello, WA

The objective of Lendersa® is to quickly and easily find you the most suitable Conventional, USDA, or FHA loan. Choose one of the three initial steps to match with appropriate lenders and programs.

Lendersa USDA loan request and matching results


Othello Lenders

  • Community First Bank WA
  • 8131 W Grandridge Blvd, Kennewick, WA, 99336
  • Lends in Washington
  • Community First Bank started twenty years ago with a goal serving our community. We live here, work here and are run by a local board. We offer a full line of lending and business services to small businesses as well as consumer products including investment and trust services.If you want to get to know your banker we look forward to meeting you!

  • Desert Canyon Mortgage Company, LLC
  • 8500 W Gage Blvd, Suite A, Kennewick, WA, 99336
  • Lends in Washington
  • Desert Canyon Mortgage different from other lenders in town, besides being one of the few locally owned and operated mortgage brokers, is that our low prices, allows customers to save thousands of dollars in out-of-pocket closing costs compared to our competitors.brokers, is it We have two great locations to serve you"

  • Vision Mortgage
  • 7301 W. Deschutes Ave, Suite A, Kennewick, WA, 99336
  • Lends in Washington
  • Vision Mortgage was formed in 1994 by Michael and Gina Alvarez under their corporate name of Northwest Pacific Mortgage Corp. For over 24 years and counting Vision Mortgage has been considered one of Washington’s most experienced, knowledgeable and competitive mortgage brokerages that serve the Pacific Northwest.

  • Tri-CU Credit Union
  • 3213 W 19th Avenue, Kennewick, WA, 99337
  • Lends in Washington
  • TRI•CU Credit Union is a federally chartered credit union that was founded in 1969 by the International Brotherhood of Electrical Workers Local 112. Our name at that time was IBEW #112 Federal Credit Union and our membership was restricted to the electricians and their families. We are a not-for-profit financial cooperative that is tax exempt.

  • Yakima Federal Savings and Loan
  • 118 E. Yakima Ave, Yakima, WA, 98901
  • Lends in Washington
  • Yakima Federal Savings and Loan serves central and eastern Washington through about a dozen branches. The thrift provides checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Mortgages secured by one- to four-family residences make up more than 90% of Yakima Federal Savings' loan.

  • Baker Boyer National Bank
  • 7 W Main St, Walla Walla, WA, 99362
  • Lends in Washington
  • Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. We are Eastern Washington’s trusted financial advisor, serving the Walla Walla Valley, Tri-Cities and Yakima communities, providing wealth management as well as personal and business banking services. Baker Boyer is the only local family of wealth management.

  • Banner Bank
  • 10 S 1st Ave, Walla Walla, WA, 99362
  • Lends in Washington
  • Banner Bank is proud to serve the West with comprehensive financial services. More than 130 years ago we started with core values that never go out of style: listen, learn and help people and businesses reach their goals. Today across Oregon, Washington, California and Idaho—we deliver a high level of individual service as a community Bank

  • Solarity Credit Union
  • PO Box 2922, Yakima, WA, 98907
  • Lends in Washington
  • Solarity Credit Union’s digitally focused community-centric co-op currently serves more than 50, 000 members and offers a comprehensive range of products and services to meet ever-evolving financial needs. Membership is open to everyone who lives, works, worships, or attends school within a Washington State school district

  • CALCOE Federal Credit Union
  • 1209 N 16th Ave, Yakima, WA, 98902
  • Lends in Washington
  • CALCOE Federal Credit Union, we are committed to achieving the highest level of member service by offering financial products, services, and education designed to benefit our members while maintaining the safety, soundness and managed growth of our cooperative and also CALCOE has a rich history in helping members improve their quality of life.

  • N W Mortgage, LLC
  • 115 S 2nd St, Selah, WA, 98942
  • Lends in Washington
  • N.W. Mortgage, LLC, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.