USDA Vs. FHA Pro and Con comparison in Everson, Whatcom County, WA

In 2025, USDA loan limit in Everson, county of Whatcom, WA is $411,200 while FHA limit is $603,750 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.

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2025 loan limits and downpayment requirments in Everson, county of Whatcom, WA

Loan Type Loan Limit Down payment
USDA $411,200 0%
FHA $603,750 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Everson, 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?



  • Fidelity Mortgage Solutions LLC
  • 10211 SW Barbur Blvd, Suite 101A, Portland, OR, 97219
  • Our goal from the very first time you choose FMS is to make the process of financing your home as fast and easy as possible. We strive to make the process as easy to understand and convenient for you whether you are a first-time buyer or the most savvy real estate investor. We are an Oregon based company, licensed in Oregon and Washington states.
  • Alterna Mortgage Company
  • 10211 SW Barbur Blvd, Suite 107A, Portland, OR, 97219
  • Alterna Mortage has more programs than any bank. Better personal service than any large corporation. Lower fees and better rates too. Alterna Mortgage has programs that fit borrowers with perfect credit and borrowers that have had recent credit events. Being a broker we have mortgage loans that fit everyone.
  • Columbia Home Mortgage
  • 7845 SW Capitol Highway, Suite 5D, Portland, OR, 97219
  • Columbia Home Mortgage providing clients with the highest quality mortgage services, excellent rates, and the best customer service available in your area. He will work with you one on one to ensure that you get a clear mortgage solution tailored specifically to meet your financing needs. Whether you are purchasing your dream home.
  • A&B Mortgage, Inc
  • 9505 N. Division Street, Suite 104, Spokane, WA, 99218
  • A&B Mortgage, 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. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage option.
  • Denali Commercial Mortgage
  • 8754 SE Margie Way, Happy Valley, OR, 97086
  • Our goal is to secure the financing you need as simply as possible. Our longstanding partnerships also allow us to navigate the options on behalf of our clients, and then suggest the best loan or lease. Because we know precisely what documentation each lender requires, we can help each client gather exactly the right information.
  • Cutting Edge Federal Credit Union
  • 4620 SE International Way, Suite 105, Milwaukie, OR, 97222
  • Cutting Edge Federal Credit Union was originally chartered in 1953 by ten volunteers who believed that a credit union would benefit the employees of Chipper Chain. After starting as Chipper Chain FCU, our name has changed, first to Omark FCU, then Blount FCU before becoming Cutting Edge FCU in 2002.
  • Reliable Credit Association Inc.
  • 10690 SE McLoughlin Blvd, Milwaukie, OR, 97222
  • Reliable Credit Association, Inc. is an independently owned and operated consumer finance company. We were incorporated in 1958 under the laws of the state of Oregon when a retired U.S. Army Captain founded the company with the support of his father, mother, and wife. In 1994, the shareholders of Reliable Credit Association, Inc.
  • The Lindley Team, Mortgage Lenders
  • [email protected], Portland, OR, 97223
  • In a divorce, we are often more focused on curing the problem at hand, i.e., distributing real property and assets, that we forget there is life after divorce. The biggest challenge is the lack of knowledge, understanding, and preparedness of how the various pieces of the divorce puzzle fit together and overlap where the real property is involved.
  • NW Preferred Federal Credit Union
  • 8950 SW Burnham Street, Tigard, OR, 97223
  • NW Preferred Federal Credit Union has been open since 1940. It's the 24th largest credit union in Oregon with assets totaling $185.84 Million and providing banking services to more than 9, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to those in finance
  • Aspen Capital
  • 13190 SW 68th Parkway, Suite 110, Tigard, OR, 97223
  • We believe in capitalizing on market demands and business opportunities by utilizing our Investment & Operations, Software Infrastructure and Analytics teams to excel in a wide range of roles including lending and servicing, acquisitions, joint ventures and management. Aspen Capital is a private equity firm based in Portland, OR and New York, NY.
  • The Tammi Lindley Team
  • 10260 SW Greenburg Rd, Suite 830, Portland, OR, 97223
  • This team is amazing! I can’t believe how easy they were to work with and how quickly they addressed my questions and needs if I ever had to reach out to them. We went through the entire process of buying our home with ease thanks to the Lindley team. I really appreciated how honest and upfront they were with me being a first time home buyer.
  • Pro-Active Mortgage
  • 12890 SW Blue Heron Place, Portland, OR, 97223
  • We are a very low cost, high service provider of residential mortgages throughout Oregon and our goal is to show you such a great value and easy process that you will become our biggest fans and refer us to your family and friends. Shop, compare and save a lot of money! We can guide you to the right loan amount and best program for you.