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

In 2026, the Conventional loan limit in Yelm, Thurston County, WA is $726,200. The FHA limit for a single-family home stands at $546,250.

Use the Lendersa® Conventional loan calculator to compare current best rates for Conventional, FHA, and USDA loans, assessing income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side-by-side, helping you choose the best program for your financial situation in WA.

Explore loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2026 in Yelm, Thurston County, WA

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

The table applies to zip codes: 98576

Options for Conventional and FHA Loans in Yelm, WA

Lendersa® is committed to providing the best possible Conventional, USDA, or FHA loan rapidly and hassle-free. Select one of three starting points that link you with matching lenders and loan programs.

Results from Lendersa's USDA loan requests and matchings


Yelm Lenders

  • First Millennium Holdings
  • 601 1st ave suite 1400, Spokane, WA, 98580
  • Lends in Washington
  • making your dreams of tomorrow a reality today. Originating Conventional VA FHA USDA
    Jumbo Stated No Doc and NiV DSCR No ratio. our website is top notch and and you view and check the status of your rate with a custom quote with live pricing from our investment banks 24 hours a day

  • 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.

  • 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

  • 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.

  • 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.

  • 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

  • Community 1st Credit Union WA
  • 955 Ross Loop, Suite 100, Dupont, WA, 98327
  • Lends in Washington
  • At Community 1st Credit Union you’re a member-owner, not a customer. And unlike a bank, you share in the collective earnings through preferred rates, limited fees and advancements in financial services. We’re committed to a community-based service to help ensure a more prosperous future for our families and communities.