USDA Vs. FHA your options comparison in Fairwood, King County, WA

2026 sees the USDA loan limit for Fairwood in King county, WA, set at $713,000, whereas the FHA limit for a single-family home is $977,500.

Utilize Lendersa® USDA loan calculator to analyze the best rates for today between USDA and FHA, determining required income, credit, reserves, and documentation. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, enabling you to identify which in suits your financial situation the best.

Explore loan offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Fairwood, King, WA

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

Exploring USDA and FHA Loan Choices in Fairwood, WA

Lendersa® is committed to swiftly securing the best USDA or FHA loan options for you with minimal hassle. Choose among three pathways that lead to matching lenders and eligible USDA loan programs.

Lendersa USDA loan request matching results

Understanding USDA Loans in WA

The USDA home loan, alternatively known as the USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans need no down payment.

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



  • USA Mortgage Pros
  • 2150 S. Central Expressway, Suite 310, McKinney, TX, 75070
  • "Welcome to The CORE Team USA Mortgage - McKinney TX
    Our Team of dedicated mortgage professionals have one goal - to provide a superior customer service experience while properly matching our clients with the best home loan product available in the marketplace to assist them with their dream of home ownership."

  • Competitive Home Lending
  • 5900 S Lake Forest Dr, Suite 300, McKinney, TX, 75070
  • Competitive Home Lending keeps operating costs at a minimum to provide you with low mortgage rates from the best mortgage companies in the nation.
    We partner with the top mortgage banks and offer the same mortgage products but at a competitive,wholesale rate.To provide quality mortgage products at a competitive price and exceed client expectation

  • Global Integrity Finance LLC
  • 321 N Central Expy Ste 360, McKinney, TX, 75070
  • At Global Integrity Finance we take pride in the fact that we’re a nationally recognized commercial finance company dedicated to providing our clients with the very best of results. Our business lending experts are proud to be paving the way forward in various areas of commercial financing, including:

    Hard money Loans
    Fix-N-Flip Financing
    Inve

  • The First National Bank
  • 300 Washington, Beardstown, IL, 62618
  • For over 100 years, that’s how banking has been at The First National Bank of Beardstown, Murrayville & Winchester. We’re dedicated to helping you in any way we can with a full line of financial products delivered by caring, experienced professionals. Thank you for choosing us for your financial needs.

  • Las Colinas Federal Credit Union
  • 555 Cimarron Trail, Irving, TX, 75063
  • The Credit Union was chartered in 1955 by a group of Zale employees and family members. The new credit union was known as Zale Employees Federal Credit Union (ZEFCU).

    During the ’80s, several smaller credit unions merged with ZEFCU (Optical FCU, Sherwin Williams FCU, Golden Acres FCU, Joske’s Employee’s FCU, and Mary Kay Cosmetics FCU)."

  • Mobility Credit Union
  • 8384 North Belt Line Road, Irving, TX, 75063
  • In 1965, in the lunchroom of the IBM facility located in Dallas at 2911 Cedar Springs, 14 employees met and collectively deposited $150 to start IBM Southwest Employees Federal Credit Union and serve the financial needs of its employees.

    Over time more locations were added and additional products

  • KBHS Home Loans LLC
  • 8650 Freeport Parkway South, Suite 250, Irving, TX, 75063
  • KBHS offers competitive rates and exceptional service on Conventional, Government (FHA, VA & USDA) and Jumbo Fixed & Adjustable Rate Mortgages with a variety of terms designed to meet the diverse needs of new construction homebuyers. Bond loans and other mortgage products suited for homebuyers are also availab

  • Mr. Cooper
  • 4000 Horizon Way, Irving, TX, 75063
  • We are Mr. Cooper, the nation’s largest non-bank mortgage servicer and a leading mortgage lender. And we’re here to keep the dream of homeownership alive. Our HQ is located in Dallas, TX, with major outposts in Irvine, CA; Chandler, AZ; Longview, TX; Highlands Ranch, CO; and Chennai, India. We have a total of ninety offices all over the USA

  • Denmark State Bank
  • 103 Main Street, Denmark, WI, 54208
  • Denmark State Bank has seven full-service banking offices serving primarily Brown, Kewaunee, Manitowoc, Outagamie, Shawano, Sheboygan counties. We are known for our high quality, personal service to customers and our commitment to the communities in which we serve We are dedicated to offering innovative products and providing the most recent techno