In 2025, the USDA loan cap for Birch-Bay in Whatcom county, WA, stands at $354,200, whereas the FHA limit for a single-family dwelling is $442,750.
Leverage the Lendersa® USDA loan calculator to balance today's USDA versus FHA rates. Our advanced mortgage tool enables you to review income, credit, reserves, and document requirements side-by-side across USDA, FHA, Conforming, and VA loans, helping you ascertain which program in Alabama best fits your financial case.
Overview of 2025 Loan Limits and Downpayment in Birch-Bay, Whatcom, WA
Loan Type
Loan Limit
Down Payment
USDA
$354,200
0%
FHA
$442,750
3.5%
Conventional Conforming
$548,250
3%
Considering USDA and FHA Loans in Birch-Bay, WA
At Lendersa®, our aim is to swiftly connect you to the most advantageous USDA or FHA loan, free of unnecessary challenges. Start with one of our three paths to align with compatible lenders and USDA financing opportunities.
A USDA home loan, known as a USDA rural development loan or USDA mortgage, is insured by the government under the Department of Agriculture. This type of loan is exclusively accessible in rural locales. It contrasts with FHA loans, which necessitate a minimum 3.5% down payment, as the USDA mortgages require no down payment whatsoever.
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