USDA Loan Vs. FHA loan for Cheney, WA 2025

In 2025, USDA loan limit in Cheney, county of Spokane, WA is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Cheney, WA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Washington?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(509) 339-7110 Lender's profile and map Reviews Good Deeds Mortgage 115 NW State St, Suite 302, Pullman, WA, 99163 At Good Deeds Mortgage, your loan will never be just another transaction. It’s what gets you and your loved ones into the home of your dreams. But it doesn’t stop there, it also provides shelter for the homeless, feeds starving children, helps mothers in need, and much more. We would be honored to have the opportunity to help find you.
(208) 660-3190 Lender's profile and map Reviews Old Republic Mortgage 301 N. Union, Suite B, Newport, WA, 99156 Old Republic Mortgage help you obtain and guide you to your goal of homeownership. Old Republic Mortgage is driven by our core values of Respect, Transparency, and Scrappiness. Our game changing loan programs and specialty products create homeownership opportunities in the communities we serve.
(208) 882-0232 Lender's profile and map Reviews LATAH CREDIT UNION 912 South Washington Street, Moscow, ID, 83843 Latah Credit Union provides competitive financial services to all who live, work, volunteer, worship, do business in, or go to school in Latah, Benewah, Kootenai, Boundary, Bonner, Shoshone, Nez Perce and Lewis Counties and to students enrolled in a unified program of study at the University of Idaho.
(509) 758-4848 Lender's profile and map Reviews Twin River National Bank 900 5th Street, Clarkston, WA, 99403 Twin River Bank is locally owned by your neighbors and we have invested here in the Lewis Clark Valley Since We have built a reputation as a community bank serving home buyers, real estate investors and builders. We have experienced mortgage lenders that can help you with a purchase, refinance, home improvement or construction lending.
(208) 746-7233 Lender's profile and map Reviews Lewis Clark Credit Union 604 Bryden Avenue, Lewiston, ID, 83501 Come see why LCCU, Lewis Clark Credit Union, is a whole new financial experience. We offer progressive financial services, with hometown member support. We know you by name and are here to help you meet your financial goals. At LCCU, our focus really is your future. Unlike banks, credit unions are not in business to make a profit.
(208) 746-4848 Lender's profile and map Reviews TWIN RIVER BANK 1507 G St, Lewiston, ID, 83501 Early in March, 1978, eight real estate brokers discussed a common concern, financing, at their weekly exchange breakfast meeting. The consensus was that the local banks and mortgage companies were not meeting the needs of the public. Processing of loans was taking too long; since “chain” banks had to send everything out of town for approval
(208) 746-8900 Lender's profile and map Reviews P1FCU 1025 Warner Ave, Lewiston, ID, 83501 P1FCU was organized by 12 employees of Potlatch Forests Inc. and the original organization certificate was issued by the Farm Credit Administration on April 29th, 1938. The first organizational meeting was held almost one month later on May 20th, 1938, where 9 board members were elected after being nominated by the first nominating committee.
(509) 754-5233 Lender's profile and map Reviews GRANCO Federal Credit Union 217 Alder Street SW, Ephrata, WA, 98823 Since 1956, GRANCO Federal Credit Union has been providing friendly member service in Ephrata, Moses Lake and the surrounding area. The cooperative philosophy that started the credit union still rings true today. GRANCO will consider a member’s credit score, but will not deny any loan due to credit score alone.
(509) 675-3180 Lender's profile and map Reviews Kettle River Mortgage 2380 Kettle River Rd, Kettle Falls, WA, 99141 Kettle River Mortgage’s top notch customer service is the core of our outstanding reputation in the mortgage industry.We pride ourselves on extensive knowledge of mortgage loan programs, as well as our state-of-the-art business, processes facility and equipment that helps us deliver high-value services, quickly and accurately.
(509) 525-2000 Lender's profile and map Reviews Baker Boyer National Bank 7 W Main St, Walla Walla, WA, 99362 Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. We are Eastern Washington’s trusted financial advisor, serving the Walla Walla Valley, Tri-Cities and Yakima communities, providing wealth management as well as personal and business banking services. Baker Boyer is the only local family of wealth management.
(509) 527-3636 Lender's profile and map Reviews Banner Bank 10 S 1st Ave, Walla Walla, WA, 99362 Banner Bank is proud to serve the West with comprehensive financial services. More than 130 years ago we started with core values that never go out of style: listen, learn and help people and businesses reach their goals. Today across Oregon, Washington, California and Idaho—we deliver a high level of individual service as a community Bank