USDA and FHA Pro and Con in Bothell, King County, WA

In the year 2025, the USDA loan cap in Bothell, located in the county of King, WA, is set at $713,000. Meanwhile, for a single-family residence, the FHA limit stands at $977,500.

Utilize the Lendersa® USDA loan comparison calculator to evaluate today's top USDA and FHA rates, understanding the financial requirements including income, credit, reserves, and necessary documentation for qualification. This sophisticated mortgage comparison tool allows a side-by-side look at USDA, FHA, Conforming, and VA options to choose the most suitable program for your unique financial needs in .

View mortgage offers from a network of 100 lenders

2025 loan caps and initial payment requirements in Bothell, county of King, WA

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

Options for USDA and FHA loans in Bothell, WA

The mission of Lendersa® is to facilitate your access to the optimal USDA or FHA loan swiftly and effortlessly. Choose from three starting points to connect with relevant lenders and USDA loan schemes.

Lendersa USDA loan inquiry and outcome match

Understanding USDA Loans in WA

A USDA home loan is backed by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, designed for use in rural areas exclusively. Unlike FHA loans requiring a minimum 3.5% down, USDA mortgages require no down payment at all.

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



  • Home America Lending Corp.
  • 20 Oak Street, Patchogue, NY, 11772
  • MCS Mortgage Bankers is a mortgage bank with operations in twenty-six states. MCS Mortgage Bankers offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, FHA 203(k), VA, USDA and reverse mortgages. MCS Mortgage Bankers is a FREEandCLEAR Certified Bronze Low Rate Lender.
  • Asean Capital
  • 116 E Main St, Suite C, Patchogue, NY, 11772
  • ASEAN CAPITAL, INC. was started in 1998 by Dula Amarasinghe, a 30 year veteran of International Banking Industry. During his tenure with Manufacturers Hanover Trust Company, now JP Morgan Chase Bank, he was the Team Leader handling the business of Sri Lanka, Thailand, Philippines, Pakistan and Nepal desks.
  • First Coast Federal Credit Union
  • 3040 Edison Avenue, Jacksonville, FL, 32254
  • First Coast Federal Credit Union will provide financial services and personal service for the benefit of its members while maintaining long term financial stability. We are a federally chartered credit union established in 1935. Our members consist of employees of select employee groups (SEGs) and their family members.
  • Worcester Police Department Credit Union
  • 805 West Boylston Street, Worcester, MA, 01606
  • The Worcester Police Department Credit Union was incorporated on November 22, 1946 and officially opened for business on February 1, 1947. The first official incorporators' meeting was held on October 22nd, 1946. In attendance were Boleslaw Izbicki, Frank R. Stake, George P. Merril, Joseph Turner Jr., Iver C. Blomstrom and more
  • Hertford Savings Bank, SSB
  • 121 N Church St., Hertford, NC, 27944
  • Since 1923, Hertford Savings Bank, SSB has been serving the financial needs for the counties of Perquimans, Chowan, Pasquotank and Gates. We provide the personalized attention that our customers deserve. The bank’s decisions are made locally and we strive to develop strong relationships with our customers and local community.
  • Worcester Fire Dept Credit Union
  • 34 Glennie Street, Worcester, MA, 01605
  • Firefighters of the City of Worcester have benefited from a long and rich history of member service. It has evolved over the years from a "savings and loan" business to a full service financial institution.When you become a member of the Worcester Fire Deptartment Credit Union, you also become an owner. We will continue through sound investments
  • Capital Biz Solutions, Inc
  • 474 Grove St, Worcester, MA, 01605
  • Our main objective is to help companies acquire the capital they need to grow their business on their terms. We will guide you through the process and outline the lending parameters. It is our job to insure you’re well informed, and there are no surprises. It is our pledge to provide you with the best business lending available.
  • Allanach/Mortgage Group Corporation
  • 76 Northeastern Boulevard, Suite 25A, Nashua, NH, 03062
  • "Allanach/Mortgage Group Corporation is a full-service mortgage company, devoted to servicing Credit Unions & their members for over 40 years. Our full array of products allows each credit union to operate as a large-scale bank. Having these products at their disposal gives their members the products & rates that best fit their individual need
  • Hometown Mortgage Services LLC
  • 2210 NW 40th Terr, Suite A, Gainesville, FL, 32605
  • The loan process for a new home can be overwhelming. Because our team has experience working every job along every step of the loan application and approval, we are able to simply the process for both homeowners and REALTORS. Our team has decades of experience and holds a high standard of communication through every step of the process.
  • ELITE FUNDING NETWORK
  • 3940 NW 16th Blvd., Suite A, Gainesville, FL, 32605
  • Chris Doering entered the mortgage industry after a friend asked him to lead a Gainesville branch of his mortgage company. Upon learning the ins and outs of the industry, Chris Doering Mortgage finally opened its doors in April of 2007. Despite the difficult times in the housing and mortgage industry