USDA and FHA Pro and Con in Des-Moines, King County, WA
In 2026, the USDA loan limit in Des-Moines, within King county, WA, is set at $659,800. In contrast, the FHA limit for a single-family home is $776,250.
Utilize the Lendersa® USDA loan calculator to compare current top USDA and FHA rates. This will help you assess the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays side-by-side comparisons of USDA, FHA, Conforming, and VA programs to assist in selecting the most suitable option for your financial conditions in .
2026 Loan Limits and Downpayment Requirements in Des-Moines, King, WA
Loan Type
Limit
Down Payment
USDA
$659,800
0%
FHA
$776,250
3.5%
Conventional Conforming
$776,250
3%
USDA and FHA Loan Options in Des-Moines, WA
The purpose of Lendersa® is to quickly connect you with the best available USDA or FHA loan. Choose from three starting methods leading you to suitable lenders and USDA loan programs.
A USDA home loan is secured by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is exclusively available in rural locations. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment.
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