USDA VS FHA in Bethel, Kitsap County, WA

In 2025, within Bethel, situated in Kitsap county, WA, the USDA loan limit is defined at $398,300. Meanwhile, for single-family homes, the FHA imposes a limit of $563,500.

Utilize the Lendersa® USDA loan calculator to effectively assess the most competitive USDA versus FHA rates as of today. By determining the required income, credit score, reserves, and necessary documentation for qualification, this advanced mortgage tool displays the USDA, FHA, Conforming, and VA programs side by side. This helps you discern which program in aligns best with your specific financial profile.

Discover and compare loan offers from 100 diverse lenders.

Review of 2025 Loan Limits and Down Payment Requirements in Bethel, Kitsap, WA

Loan Type Loan Limit Down Payment
USDA $398,300 0%
FHA $563,500 3.5%
Conventional Conforming $726,200 3%

Exploration of USDA and FHA Loan Options in Bethel, WA

Lendersa® endeavors to deliver the most advantageous USDA or FHA loan swiftly and with minimal difficulty. Initiate your search with one of three pathways designed to connect you with compatible lenders and USDA loan programs.

Lendersa USDA loan request and match results

Understanding USDA Loans in WA

USDA home loans, supported by the Department of Agriculture—also known as USDA rural development loans or USDA mortgages—are solely available in rural areas. Unlike FHA loans, which mandate a minimum down payment of 3.5%, a USDA mortgage eliminates the need for any down payment, presenting a favorable option for eligible rural buyers.

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



  • Colorado Mortgage Group
  • 357 S. McCaslin Blvd, Suite 200, Louisville, CO, 80027
  • Colorado mortgage company. Our expert advice is based on your needs and your situation. We pre-underwrite your file before submission to take surprises out of the process well before closing. Our approvals stick and we have a track-record of smooth, on-time closings. We know buying or refinancing a home means a lot to you.
  • Apple Street Mortgage Corp
  • 737 Apple Court, Louisville, CO, 80027
  • Apple Street Mortgage is located in Louisville, CO just east of Boulder. We provide home loans for both new purchases and refinances all over the state of Colorado where owner Norm Sydow has lived with his wife and two sons since 1994. Apple Street Mortgage Corp. is a full service residential broker providing creative solutions for a wide range
  • TruCommunity Bank ND
  • 205 Main Street, Turtle Lake, ND, 58575
  • TruCommunity Bank is the new, shared name of three banks in McLean County, North Dakota — Farmers Security Bank, Garrison State Bank & Trust, and Bank of Turtle Lake. TruCommunity Bank has roots going back to 1919. We’re stronger and more efficient together, and ready for the future too. It’s Community banking at its best.
  • Gold Summit Lending
  • PO Box 337057, Greeley, CO, 80633
  • Gold Summit is committed to educating and guiding our clients with the mortgage process. We aim to be the source of up-to-date mortgage industry information and maintain high trust relationships with our clients, business partners, team members, and community. We are committed to be the top-of-mind choice mortgage broker.
  • Northern Colorado Credit Union
  • 2901 S. 27th Avenue, Greeley, CO, 80631
  • Since 1935, our mission at NCCU has been to provide members with friendly service and affordable financial products so they can reach their financial goals. More than 84 years later, we proudly provide membership to everyone living and working in Weld and Larimer County communities.
  • Apex Money Lending Group
  • 1345 Clayton Way, Erie, CO, 80516
  • Apex Money Lending Group, pioneered by Marcus Jeffery, excels as a trusted Colorado-based direct lender, empowering real estate investors with swift and reliable funding. Our commitment to tailored financing solutions ensures a smooth and transparent borrowing experience, allowing clients to secure deals swiftly and achieve their investment aspirat
  • Mindful Mortgage Group
  • 1271 Banner Circle, Erie, CO, 80516
  • Kim Clancy has been working in the mortgage industry for over 17 years. She has seen the good, the bad, the ups, and downs, and has helped hundreds of families realize their dream of home-ownership. Kim is dedicated to educating her borrowers on the best scenario for their situation and keeps their best interest in the top of her mind.
  • Trailhead Mortgage
  • 50 Jordan Lane, Erie, CO, 80516
  • With Trailhead Mortgage working for you, you’ll have access to wholesale mortgage rates from our partner network that you won’t find online. Our focus on eliminating the hassles of getting a mortgage results in a simplified digital process that keeps the loan moving forward. we bring a consultative, and creative approach to our relationships.
  • Collegiate Peaks Bank
  • 105 Centennial Plaza, Buena Vista, CO, 81211
  • Collegiate Peaks Bank, Division of Glacier Bank is a growing community bank, serving personal and commercial customers. We currently have four bank Branches, in Salida, Buena Vista, Denver-RiNo, Denver-Belcaro and in February, 2020 we will be opening a Branch in the Denver Tech Center.
  • Mint Mortgage LLC
  • 31021 Troutdale Ridge Road, Evergreen, CO, 80439
  • Mint Mortgage is committed to find the best loan program for your needs. Our company is different than most because we operate as brokers to look across available wholesale lenders that offer financing in Colorado. We have very little overhead, so the lowest rate is passed directly to you.