FHA VS Conventional loan programs in 2026 for West-Richland, Benton County, Washington

In 2026, the Conventional loan limit in West-Richland, Benton County, WA, is $647,200. The FHA limit for a single-family home is $420,680.

Utilize the Lendersa® Conventional loan calculator to explore today's best rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our tool shows Conforming Conventional loans, USDA, FHA, and VA side by side, helping you choose the best option in WA for your financial needs.

Review loan offers from 100 lenders

Loan Limits and Downpayment Requirements in West-Richland, Benton County, WA for 2026

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison is valid for zip codes: 99320

Conventional and FHA Loan Options in West-Richland, WA

Lendersa® aims to secure you the best possible Conventional, USDA, or FHA loan quickly and without hassle. Begin with one of three starting options to find matching lenders and suitable loan programs.

Outcomes for Lendersa USDA loan requests and matchings


West-Richland 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.

  • 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.

  • 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

  • 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.