USDA Loan Vs. FHA loan for Cottage-Lake, WA 2026

In 2026, the USDA loan limit for Cottage-Lake in King, WA, is $659,800. The FHA's limit for a single-family residence is $776,250.

Take advantage of the Lendersa® USDA loan calculator to compare the best USDA and FHA rates currently available. This tool helps you determine the income, credit scores, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting you to choose the right program in for your unique financial needs.

USDA and FHA Loan Choices in Cottage-Lake, WA

Lendersa® aims to swiftly secure the most favorable USDA or FHA loan for you without the complexity. Select one of three approaches to engage with lenders and explore USDA loan programs.

Lendersa USDA loan inquiry and matching results

Understanding USDA Loans in WA

A USDA home loan is a government-backed mortgage by the Department of Agriculture, often referred to as a USDA rural development loan. It's designed for rural areas exclusively. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans do not necessitate any down payment.

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(425) 643-3400 Lender's profile and map Qualstar Credit Union - Renton Branch PO Box 3050, Bothell, WA, 98041 Lends in Washington Qualstar provides sound financial products and services who work hard for the money and want to make the most of it! From basic savings and checking accounts that earn interest to auto loans, credit cards, home loans and more! Use Mobile Banking to manage your account - account history & pending holds, transfers, loan payments.
(206) 919-2728 Lender's profile and map Advisory Lending Group 19125 North Creek Parkway, Suite 120, Bothell, WA, 98011 Lends in Washington Our mortgage advisors strive to earn the trust of our clients and to represent their lending needs by providing financing options tailored to their specific requests. This then allows the client to make a well-informed fiscal decision when financing the purchase (or refinance) of a home.
(888) 315-6319 Lender's profile and map Accelin Loans, LLC 19125 North Creek Parkway, Suite 104, Bothell, WA, 98011 Lends in Washington Accelin Loans LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the financial tools.
(206) 487-3017 Lender's profile and map New Horizon Capital Funding 17223 94th Place NE, Bothell, WA, 98011 Lends in Washington New Horizon capital funding works with all businesses to meet their needs and offer a comprehensive portfolio of loans that are designed to help your business grow. We are proud to be nationally recognized as leaders in commercial financing, and have a team of experts dedicated to helping meet your financing needs.
(206) 992-4675 Lender's profile and map Archstone Home Mortgage 18613 103rd Ave NE, Bothell, WA, 98011 Lends in Washington Fortunately, at Archstone Home Mortgage, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
(206) 766-8888 Lender's profile and map TILA MORTGAGE 19125 North Creek Parkway, Suite 210, Bothell, WA, 98011 Lends in Washington TILA Mortgage is a Washington based company that has been serving consumers here locally for the past 20 years. We take pride in providing quality and honest service to our clients. Our experienced and seasoned loan officers allow us to quickly determine what works for you. As part of a large mortgage banker.
(206) 999-6941 Lender's profile and map CLEVELAND STREET MORTGAGE, LLC 20802 46th Ave SE, Bothell, WA, 98021 Lends in Washington Cleveland Street Mortgage started in 1999 with Ted Robinson and Chris Butaud (with support from our silent partner and friend Vicki Adair and our first employee Karil Gray) who shared a mission to earn an excellent name in the real estate marketplace. The industry has changed a lot during the intervening years.
(425) 772-2747 Lender's profile and map North Pacific Mortgage 22232 17th Ave SE, Suite 303, Bothell, WA, 98021 Lends in Washington Pacific Mortgage with one simple goal in mind – to provide local families with the opportunity to purchase a home by helping them secure a loan to meet their individual needs at a competitive rate. At North Pacific Mortgage, we are passionately committed to serving our clients by delivering honesty, integrity and excellence in all facets business
(888) 908-3528 Lender's profile and map Northwest Commercial Lending 11411 NE 124th S, Suite 250, Kirkland, WA, 98034 Lends in Washington Northwest Commercial Lending is a commercial mortgage broker that provides a wide variety of commercial mortgage products and private equity solutions. The Northwest Commercial Lending Team has the experience to find the best rates and terms for your commercial mortgage or business financing needs.