USDA Vs. FHA your options comparison in Bellevue, King County, WA

In the year 2025, the USDA loan limit in Bellevue, located in King County, WA, is set at $713,000, whereas the FHA limit for a single-family home is $977,500.

With the Lendersa® USDA loan calculator, examine and contrast today's top rates between USDA and FHA. Determine your eligibility by checking necessary income, credit, reserves, and documents. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side to help choose the best program for your financial needs in .

Evaluate loan offers from 100 lenders

2025 Lending Limits and Down Payment Requirements in Bellevue, County of King, WA

Loan Type Loan Limit Down Payment
USDA $713,000 0%
FHA $977,500 3.5%
Conventional Conforming $977,500 3%

Lending Choices for USDA and FHA in Bellevue, WA

Lendersa® is committed to providing the best USDA or FHA loan quickly, making the process seamless and efficient. Choose one of three paths to find matching lenders and USDA loan programs.

Lendersa USDA loan request and match results

Defining USDA Loans in WA

The USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan, is offered in rural regions only. Unlike FHA loans requiring at least a 3.5% down payment, no down payment is needed for a USDA mortgage.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Lenders Portal Direct
  • 801 Second Ave, Seattle, WA, 98104
  • Lenders Portal Direct was started with the simple goal of assisting both residential and commercial property owners in navigating the complex world of ownership in the modern market. Utilizing our vast network of relationships in the real estate community we cultivate a competitive market that strives for your business.
  • Assets America, Inc.
  • 800 5th Ave, Suite 101, Seattle, WA, 98104
  • Assets America® is a commercial mortgage banking, commercial loan brokerage, and commercial real estate brokerage firm. We provide commercial loans, high-end capital, financial services, joint venture services, and commercial real estate brokerage services to sophisticated real property owners, , developers, and business owners nationwide.
  • Seattle’s Mortgage Broker
  • 506 2nd Ave, Suite 1400, Seattle, WA, 98104
  • At SMB we understand each mortgage we provide helps a family locally but also has the ability to provide sustainable, salubrious economic opportunity to those most in need and We offer a variety of products ranging from low down payment mortgages to 90 percent- million dollar cash-out refi's.
  • Assurance IQ, LLC
  • 920 5th Avenue, Suite 3600, Seattle, WA, 98104
  • Our mission is to protect and improve the personal and financial health of all consumers. We meet consumers wherever they are in life with custom tailored solutions just for them. We empower them to take actions that improve their life and protect the things they care about. We provide a unique experience for every consumer.
  • Empire Financial Services, LLC
  • 14900 Interurban Ave. S. Ste. 271, Seattle, WA, 98138
  • Empire Financial Services is a national financial loan consultant with over 29 years of industry expertise. In a time when roughly 80% of large bank applications are declined, we have several advantages on our side. We pride ourselves on our unique blend of experience and exceptional service delivered to every one of our clients, regardless
  • DSC Capital, LLC
  • 1809 7th Avenue, Suite 1200, Seattle, WA, 98101
  • DSC Capital is a commercial real estate mortgage banking company led by a team of principals with in-depth institutional knowledge of the real estate financing market coupled with exclusive relationships with capital providers. We work with real estate investors and developers to offer customized financing solutions.
  • WaFd Bank
  • 425 Pike Street, Seattle, WA, 98101
  • WaFd Bank is a national bank, but we’ve tried to act more like a reliable next door neighbor. Ever since we got our start back in 1917, we’ve been helping to build healthy, thriving communities. And, as active members of our communities, we’re truly invested in clients like you—delivering simple, straightforward banking solutions.
  • Northwest Commercial Mortgage
  • 1500 Fourth Ave, Suite 600, Seattle, WA, 98101
  • Gary W. Beem founded Northwest Commercial Mortgage Company in 1989 with Dave Pontius after working at George Elkins Company. Gary’s major production responsibilities at each of these institutions included commercial loan placement with correspondent life insurance companies and construction lending through the banks.
  • Jay Crowell Loan Officer - Cornerstone Home Lending
  • 600 University Street, Suite 2828, Seattle, WA, 98101
  • At Cornerstone Home Lending, Inc., you will find a cohesive team of caring, seasoned professionals who are passionately dedicated to making your home-financing transaction a remarkable experience. Established in 1988, Cornerstone is a refreshingly unique national home lender with thousands of highly-satisfied clients.
  • Lendinco LLC
  • 600 University Street, Suite 2401, Seattle, WA, 98101
  • At LENDINCO, we offer many different loan programs for first-time buyers, investors, and every type of buyer in between. Listed below are just some of the loan programs that we offer. If you would like to speak to an experienced loan originator, fill out our Contact Form or give us a call.
  • Arboretum Mortgage
  • 601 Union St, Suite 2727, Seattle, WA, 98101
  • Arboretum Mortgage has grown its business through hard work, careful planning, and by cultivating lasting relationships with our clients built on honest and ethical lending practices. During that time we have funded residential home loans for thousands of individuals and families throughout the Pacific Northwest in excess of 4 billion dollars.
  • Flyhomes Mortgage
  • 1201 Western Ave, Suite 100, Seattle, WA, 98101
  • "Our mission is to build the world’s best homebuying experience. Buying a home doesn’t have to feel complicated. Our simplified approach helps you search, buy, and move in—all without having to stumble through the traditional process. To make everything easier, we brought our local experts together,"