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
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| Loan Type | Maximum Loan | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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