USDA and FHA Pro and Con in Bonney-Lake, Pierce County, WA

In 2025, the USDA loan limit in Bonney-Lake, located in Pierce county, WA, is $659,800. Meanwhile, the FHA limit for a single-family home is $776,250.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. Determine the required income, credit, reserves, and documents for qualification. Our upgraded mortgage calculator allows a side-by-side view of USDA, FHA, Conforming, and VA offerings, aiding you in selecting the best program in for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Bonney-Lake, Pierce, WA

Loan Type Loan Limit Down Payment
USDA $659,800 0%
FHA $776,250 3.5%
Conventional Conforming $776,250 3%

Options for USDA and FHA Loans in Bonney-Lake, WA

The aim of Lendersa® is to help you secure the best USDA or FHA loan quickly and easily. Start with one of three paths to find matching lenders and explore USDA loan possibilities.

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What is a USDA Loan in WA?

A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available exclusively for rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require none, enhancing accessibility for those seeking rural homeownership.

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



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