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 .
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.
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.
N.W. Mortgage, LLC, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
Yakima Federal Savings and Loan serves central and eastern Washington through about a dozen branches. The thrift provides checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Mortgages secured by one- to four-family residences make up more than 90% of Yakima Federal Savings' loan.
Cashmere Valley Bank was established September 24, 1932 by two brothers, Hy W. Rieke and H.H. Rieke, who moved to Cashmere after selling their interest in another bank in Odessa, Washington. Cashmere was chosen as the site to begin their new bank because the community was without a financial institution after the failure of two banks.
Solarity Credit Union’s digitally focused community-centric co-op currently serves more than 50, 000 members and offers a comprehensive range of products and services to meet ever-evolving financial needs. Membership is open to everyone who lives, works, worships, or attends school within a Washington State school district
PFC of Yakima is a local family-owned company specializing in asset and real estate secured lending. We have been originating, underwriting, and servicing loans in Central Washington since 1992. Michaela Stelzer is the Business Manager and handle accounting and administrative duties for the company.
CALCOE Federal Credit Union, we are committed to achieving the highest level of member service by offering financial products, services, and education designed to benefit our members while maintaining the safety, soundness and managed growth of our cooperative and also CALCOE has a rich history in helping members improve their quality of life.
AAI, founded in 2017, is a real estate and financial firm headquartered in Yakima, WA with a focus on secondary and tertiary markets. We specialize in assisting clients with:
commercial financing buying, selling, or leasing residential and commercial real estate buying or selling a business underwriting support for financial institutions
Floyd D. Walker a.k.a. ""WALKER"" CEO/President Walker began his career in the mortgage business in 1985 in Honolulu, Hawaii. Through his creative thinking and hard work he quickly rose through the ranks and became vice president of Westover Pacific Mortgage Corporation, where he pioneered a number of successful marketing strategies.
State Highway Credit Union ("SHCU") is a state-chartered and member-owned credit union, rooted in the heart of Central Washington State, since 1938. SHCU exists to help our members fulfill their dreams, to live a high quality of life today, and to be financially set for their futures.
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.
