USDA and FHA Pro and Con in Ellensburg, Kittitas County, WA

In 2026, for Ellensburg in Kittitas County, WA, the USDA loan limit is $336,500. The FHA limit for a single-family home is $474,950.

Utilize Lendersa® USDA loan calculator to compare the best available USDA versus FHA rates today and assess the income, credit, reserves, and documentation needed for eligibility. Through our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA offers side by side, helping to determine the best choice for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Ellensburg, Kittitas, WA

Loan Type Cap Limit Minimum Down Payment
USDA $336,500 0%
FHA $474,950 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Ellensburg, WA

The objective of Lendersa® is to link you promptly with the best USDA or FHA loan, minimizing any hassle. Begin by selecting one of three methods that effectively match you with lenders and USDA loan programs that suit your needs.

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Understanding USDA Loans in WA

A USDA home loan, often called a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture and designed exclusively for rural areas. Unlike FHA loans, which demand a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • The First Bank and Trust Company of Murphysboro
  • 1403 Walnut Street, Murphysboro, IL, 62966
  • The First National Bank of Murphysboro opened its doors for business on the 13th day of May, 1889. The Jackson County Bank, a private institution owned by Medar Lucier and Joseph VanCloostere, was purchased. The First National Bank then occupied their quarters on the south side of the square until 1891,

  • The Farmers and Merchants Bank
  • 302 South Old Us Highway 41, Boswell, IN, 47921
  • Farmers & Merchants Bank is locally owned and operated, right here in Indiana. That means that loan decisions are made in our local office. That's right - loan decisions are made quickly by us - not a suit in a board room. This means money stays in the community, and you will deal with our friendly staff, not with someone you don't know.

  • The Bank of Advance
  • 105 East Gabriel Street, Advance, MO, 63730
  • The Bank of Advance was established in 1902 to serve the financial needs of the community. Since that time, we've been investing in the area communities we serve to make them better places to live and work. Our high level of personal service and dedication is evident as we strive to satisfy our customers'​ financial needs & promote our communities.

  • Southern Bank
  • 310 Ruth St, Advance, MO, 63730
  • We’ve been building a strong legacy for our customers and communities since 1887. Yeah, we’ve been doing this for a long time. In 1994, we became a publicly traded company. In 2009, we began to grow exponentially. Today, with $2.4 billion in assets, we serve more than 40 communities in Missouri, Arkansas, and Illinois.

  • Chippewa County Credit Union
  • 402 West Spruce Street, Sault Sainte Marie, MI, 49783
  • Chippewa County Credit Union Over the years, the credit union grew. An office was opened and employees were eventually hired. The name underwent a few changes, of course staff has changed, and we’ve moved to a bigger space, but we’re still the same. We take pride in being able to serve not only teachers and school administrators.

  • Federal Employees of Chippewa County Credit Union
  • 119 East Water Street, Unit 1, Sault Sainte Marie, MI, 49783
  • Federal Employees of Chippewa County Credit Union is dedicated to service the financial and economic well-being of our members, while giving constant consideration to their present and future needs, while striving to exceed their expectations. We are a small Credit Union located inside the beautiful Army Corps of Engineers Building on Water Street

  • Soo Co-op Credit Union
  • 4489 I-75 Business Spur, Sault Sainte Marie, MI, 49783
  • Established in 1958, Soo Co-op Credit Union is a not-for profit Financial Cooperative serving over 23, 000 members in the Eastern Upper Peninsula. With a passion for continuous improvement, our focus is to provide personalized service and a complete range of financial services designed to meet the individual needs of our members

  • Old Mission Bank
  • 2701 Interstate 75 Business Spur Sault, Sault Sainte Marie, MI, 49783
  • Our Mission is to provide superior financial services and products to the businesses, individuals, and communities we serve. Our organization is a result of our community's desire to have more than one locally owned and controlled commercial banking option. Our success will be achieved by our unwavering efforts toward

  • Central Savings Bank
  • 511 Bingham Ave, Sault Sainte Marie, MI, 49783
  • Central Savings Bank has 9 locations with over 60 employees and more than $400 million in assets. The Bank is very involved in the communities it serves with organizations like United Way of the EUP, War Memorial Hospital’s Road to Recovery, Relay For Life of the EUP, the schools near its branches and many other local causes annually.

  • First-Lockhart National Bank
  • 111 S. Main Street, Lockhart, TX, 78644
  • The first bank to be organized in Lockhart, Texas, the First National Bank of Lockhart was opened April 15, 1889 by James G. Burleson. Burleson was the brother of cabinet member and Postmaster General Albert Sidney Burleson. The board of directors included many of the men that played an important part in the development of Lockhart

  • The First National Bank of Bastrop
  • 489 Highway 71 W, Bastrop, TX, 78602
  • The arrival of the railroad in Bastrop during the 1880s injected a fresh spirit of progress in the community. This economic upswing opened the way for three forward thinking venture capitalists to open Bastrop County Bank, which was soon bought out by local business men and renamed The First National Bank of Bastrop in August of 1889.

  • Marion State Bank Texas
  • 301 West San Antonio Street, Marion, TX, 78124
  • Marion State Bank was granted a charter from the state on October 26, 1906, making it the 134th state chartered bank in TX. Marion State Bank is the seventh-oldest bank in TX that is still operating under its charter. When the bank was founded, it was housed in the rear portion of the first floor of the H. D. Dreyer Building, known as Waldorf Club.