USDA and FHA Pro and Con in Bainbridge-Island, Kitsap County, WA
As of 2026, the USDA loan limit for Bainbridge-Island, within Kitsap county, WA, is set at $370,400, while the FHA limit for a single-family home is $435,850.
Use the Lendersa® USDA loan calculator to compare today’s best rates for USDA versus FHA loans. Determine the income, credit score, reserves, and necessary documents required for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA offers side by side, aiding your decision on the most suitable program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Bainbridge-Island, Kitsap, WA
Loan Type
Limit
Down Payment
USDA
$370,400
0%
FHA
$435,850
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Bainbridge-Island, WA
Lendersa® is dedicated to quickly providing you with the best possible USDA or FHA loan. Choose from three routes to find matching lenders and appropriate USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, available in rural neighborhoods exclusively. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage involves no down payment at all.
345 Knechtel Way NE Suite 200, Bainbridge Island, WA, 98110
Lends in Washington
BLG gives you access to multiple lenders and dozens of loan programs allowing us to help find you a great rate and terms that meet your needs.Most importantly, we fully prequalify you so when you make an offer, local REALTORS will place more trust in an approval letter from us because they know we deliver.
Blue Square Mortgage, customers always come first. Anytime you have a question or concern, you can get the support you need. We are here to guide you through the entire mortgage process from start to finish. We don't look at your successful purchase of your first home through Blue Square Mortgage as an ending. We see it as a beginning
ICS is a vertically integrated correspondent commercial mortgage lending company. We have the largest network of commercial and investment real estate lenders in the nation. ICS processes, underwrites, and funds loans for commercial mortgage brokers and investors through our long-term commercial lending relationships with Banks, Private Lenders.
At The Mortgage Broker LLC, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. The Mortgage Broker LLC, where we specialize in residential mortgages.
Kitsap Credit Union has a unique culture that is infectious among its employees. We create a safe, fun, and friendly working environment where all employees are valued. To help support our mission of members joining together to build a stronger community, KCU employees are often volunteering in the community or at community events.
450 Port Orchard Blvd, Suite 220, Port Orchard, WA, 98366
Lends in Washington
American First Lending Corporation is a direct lender focused on superior execution and customer satisfaction. We pride ourselves in providing our clients with superior service while maintaining the highest standard of professional integrity in the ever changing residential lending landscape.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
19917 7th Avenue Northeast, Suite 101, Poulsbo, WA, 98370
Lends in Washington
Liberty Bank is a forward-thinking, customer-centric community bank committed to providing the best banking service and customer satisfaction in the Puget Sound Region. We are locally minded, civically engaged, and have an abiding appreciation for the communities we serve. Our outstanding employees work with diligence
Connection Credit Union (CCU) was founded in 1958 as the City of Bremerton Employees Credit Union. There were 32 original members, who invested $5 each, so the original assets totaled $160. We expanded by adding City of Port Orchard employees, Kitsap County employees and merged Kitcom credit union into our membership base.
Wallingford Mortgage Services Inc was born in 2003, the same year as my son. We named the company after the neighborhood of Seattle that we live in. A Mom and Pop shop, literally. I was our loan officer and my wife was our processor. We started our business not just to make more scratch.
