USDA Vs. FHA your options comparison in Esperance, Snohomish County, WA

In 2025, USDA loan limit in Esperance, county of Snohomish, WA is $713,000 while FHA limit is $977,500 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Esperance, county of Snohomish, WA

Loan Type Loan Limit Down payment
USDA $713,000 0%
FHA $977,500 3.5%
Conventional Conforming $977,500 3%

USDA and FHA loan options in Esperance, 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.

Lendersa USDA loan request and matching results

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.

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



  • YES MORTGAGE
  • 2426 N Merritt Creek Loop, Suite A, Coeur D Alene, ID, 83814
  • YES MORTGAGE 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 latest in financial tools.
  • Lake City Mortgage
  • 1875 N Lakewood Dr, Suite 102, Coeur D Alene, ID, 83814
  • At Lake City Mortgage, our mission is to set a high standard in the mortgage industry of Spokane. We are committed to quality customer service - putting the people in Washington and Idaho we serve first. Our goal is to carefully guide you through the real estate loan process, so that you can confidently select the best mortgage for you.
  • Secured Investment Corp
  • 701 E Front Ave, Coeur D Alene, ID, 83814
  • Secured Investment Corp gives lenders and real estate investors the ability to connect and build powerful and profitable strategic alliances. Lenders are able to grow their net returns on their invested capital and Real Estate Investors are able to grow their investment portfolios. NMLS number is as follows #1760709
  • Lake City Servicing
  • 701 E Front Ave, Coeur D Alene, ID, 83814
  • Lake City Servicing understands the importance of having a servicing company you can count on to maintain your loan accounts. Whether you are a Hard Money Lender, a Lender with a small portfolio of loans, a seller that has a seller carry-back note, or a manager of a mortgage loan pool, our goal is to provide you with thorough.
  • Private Money Exchange
  • 701 E. Front Ave, 2nd Floor, Coeur D Alene, ID, 83814
  • Private Money Exchange.com is the fastest growing provider of captial to real estate investors nationwide. If you are a new, or seasoned real estate investor looking for funding for your real esate investment opportunities, look no further than PrivateMoneyExchange.com. With a unique and proprietary platform
  • Pacific Cascade Federal Credit Union
  • 1075 Oak Street, Eugene, OR, 97401
  • Pacific Cascade opened its doors to serve members in 1961 as Eugene Municipal Federal Credit Union. We merged with Springfield Public Employees Federal Credit Union forming the Public Employees Federal Credit Union in 1982, and added Sacred Heart Credit Union to the mix in 1983. In 1996, we changed our name to Pacific Cascade Federal Credit Union.
  • Laneco Federal Credit Union
  • 74 Centennial Loop, Suite A, Eugene, OR, 97401
  • At LANECO Federal Credit Union, we're a family. A family of like-minded people saving money together to provide loans and make dreams come true. We're not a huge credit union. We only have one branch. But what we don't have in size we make up for in service. Since September 1958 we've been "Providing our members financial security.
  • EWEB Employees Federal Credit Union
  • 388 Pearl Street, Suite 1, Eugene, OR, 97401
  • EWEB Employees Federal Credit Union was established in 1954 by a group of 12 EWEB employees to aid EWEB employees and their families with their financial needs. At startup, there was one Credit Union “employee” who worked two hours a week after his shift for EWEB; we now have six full-time employees and over 1, 500 members
  • Precision Capital
  • 4710 Village Plaza Loop, Suite 100, Eugene, OR, 97401
  • At Precision Capital we strive to offer top-quality financial options for investing that provide results our clients love, as well as assisting borrowers secure the capital they need. Whether you’re looking for a hassle-free loan or you want to diversify your investment portfolio,
  • Northwest Community Credit Union
  • 545 E 8th Ave, Eugene, OR, 97401
  • As a credit union, our success is measured in member satisfaction, not profits. We understand that each member has their own dreams and aspirations, and that each person defines “wealth” in their own way. We are proud of the array of products and services we can offer to customize solutions that fit within your lifestyle and dreams.
  • Strategic Mortgage Solutions Inc
  • 911 Country Club Rd, Suite 390, Eugene, OR, 97401
  • We’re proud to be Eugene mortgage brokers that provide innovative mortgage solutions in not just Eugene, but all of Oregon. We help our clients tap into competitive mortgage lending markets and also find a greater diversity of lending programs. We’re able to offer these programs with superior terms and dedication to our clients.