USDA and FHA Pro and Con in Benton-City, Benton County, WA
For 2026, the USDA loan limit in Benton-City, located in Benton county of WA, is $285,000, whereas the FHA limit for a single-family home stands at $356,362.
To assess today's USDA versus FHA rates, utilize the Lendersa® USDA loan calculator. Determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loan options, helping you select the most suitable program for your financial requirements in .
2026 Loan Limits and Downpayment Requirements in Benton-City, Benton, WA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Benton-City, WA
Lendersa® is committed to quickly securing the best USDA or FHA loan for you without hassle. Select from one of three starting points to find matching lenders and USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or mortgage. Available in rural areas exclusively, unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.
HAPO, our primary focus is to offer products and services that provide value to our members through all life stages—banking solutions that are easy and convenient. We also strive to give back to the communities we serve through sponsorships, donations, and volunteerism. Community is our middle name after all
Gesa became a community-chartered credit union and opened its membership range to everyone in Washington, the credit union experienced explosive growth. From inception, consumers embraced the value of banking with a not-for-profit cooperative. Gesa has grown to twenty-seven locations throughout the state.
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 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"
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 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 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’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
PFC of Yakima is a local family-owned company specializing in asset and real estate secured lending. We have been originating, underwriting, and servicing loans in Central Washington since 1992. Michaela Stelzer is the Business Manager and handle accounting and administrative duties for the company.
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.
