USDA Vs. FHA Pro and Con comparison in Kalama, Cowlitz County, WA
During 2025, the USDA loan threshold in Kalama, situated within Cowlitz county, WA, is outlined as $336,500. In comparison, the loan cap under FHA guidelines is $472,030 for a single-family dwelling.
The Lendersa® USDA loan calculator is an invaluable tool for evaluating the most favorable USDA and FHA rates currently available. You can assess the necessary income, creditworthiness, reserves, and required paperwork for eligibility. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans concurrently, aiding in determining the best program in for your financial circumstances.
2025 Lending Limits and Down Payment Requirements in Kalama, Cowlitz, WA
Loan Type
Maximum Loan
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Kalama, WA
Lendersa® aims to secure the optimal USDA or FHA loan for you efficiently and with minimal hassle. You can begin with one of three routes, each leading to matching lenders and appropriate USDA loan solutions.
The USDA home loan, a program backed by the Department of Agriculture commonly known as a USDA rural development loan or USDA mortgage, is available only in rural locales. Contrasted with FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage requires no down payment, offering a significant advantage to eligible buyers.
HGE Credit Union was chartered in 1945 as Hutchinson Municipal Employees Credit Union. Originally, only city employees were eligible to become members. Tom Tomlin, firefighter at Fire Station #1 kept CU papers in a cigar box. The charter gives the address as 18-22 East Avenue B, which was the police department and Fire Station #1.
Bell Credit Union has come a long way since 1938. Mrs. Verla Yelton was the first manager of the credit union. Verla and her husband, Lloyd, provided space in their home at 417 E 1st for the credit union office. The office was located there until the mid 1950’s, when it was moved to the 5th floor of the Wiley Building.
First National Bank of Hutchinson is a community bank that offers personal banking, commercial banking and wealth management services. The bank was founded in 1876 and is based in Hutchinson, Kansas. First National Bank of Hutchinson operates as a subsidiary of First Kansas Bancshares, Inc.
Members Mortgage Services connects Credit Unions and their members with competitive mortgage loan products.MMS is owned by a cooperative group of Credit Unions.Together, we are committed to helping our partners & their members with all their home lending needs.Once a home loan is closed, Members Mortgage Services’ support team is easily accessible.
We believe our customer service record is one of the best in the industry and we want our customers to know that they are important to us and know that we do things differently than our competitors. Woodlands National Bank has a 100-year tradition of quality customer service and we are willing to stand behind our promises through The Woodlands Way.
Community Bank has been serving Alva, Oklahoma and the surrounding areas since 1984. Community Bank was founded by local community members who wanted to ensure the banking needs of the community were being met. It has been our goal since inception to provide customer-focused services and community development.
BancCentral National Association, founded in 1919, offers a range of depository and lending services.
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We will customize a trust specifically for your needs and Confidential
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Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
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Iowa Trust & Savings Bank appreciates and values the trust our customers have in banking with us. We strive to provide the highest level of personal service and offer financial solutions that continually enhance the customer experience with Iowa Trust. From our skilled and experienced staff, to our complete line of deposit
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ProGowth Bank is more about people than products. It’s about you. ProGrowth Bank is here to build a lifelong relationship to support your financial success and help you achieve financial wellness in life. ProGrowth Bank provides resources and opportunities that business owners need… that you need.
