USDA Vs. FHA Pro and Con comparison in Gig-Harbor, Pierce County, WA
During 2025, the USDA loan limit in Gig-Harbor, within the county of Pierce, WA, is established at $659,800. Conversely, the FHA limit for a single-family home is $776,250.
Utilize the Lendersa® USDA loan calculator to compare today’s most competitive USDA versus FHA rates. It helps discern the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the ideal program for your financial scenario in .
Details on 2025 Loan Limits and Downpayment Requirements in Gig-Harbor, County of Pierce, WA
Loan Type
Loan Limit
Down Payment
USDA
$659,800
0%
FHA
$776,250
3.5%
Conventional Conforming
$776,250
3%
Examining USDA and FHA Loan Choices in Gig-Harbor, WA
Lendersa® aims to seamlessly connect you with the best USDA or FHA loan available. Selecting one of three starting points will direct you to matching lenders and USDA programs.
A USDA home loan, guaranteed by the Department of Agriculture and often called a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages require no down payment whatsoever.
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