USDA Vs. FHA Pro and Con comparison in Kalama, Cowlitz County, WA
During 2026, 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.
2026 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.
At PUD Federal Credit Union we know you have many great choices in our local area for your financial needs, and we’ll go the extra mile to earn your business. Unlike banks, we are a non-profit which means we return our profits to you, our member-owners, which means better rates, lower fees and special discounts.
Mint Valley Federal Credit Union will be a financial cooperative committed to providing quality financial services to its members. We will operate primarily within the region, but will service members beyond this area through their places of work, by phone, or by mail as required.
Lower Columbia Longshoremen's Federal Credit Union
629 14th Avenue, Longview, WA, 98632
Lends in Washington
Lower Columbia Longshoremen's FCU exists to provide each member with personal, professional, convenient and competitive financial services. Once you join your family members are eligible, too. This includes grandparents, parents, spouses, siblings, grandchildren, and children, they can extend the membership opportunity to their family members, too.
We're passionate about helping our members achieve their financial dreams. We're dedicated to hiring passionate, knowledgeable, and dependable individuals who are service-oriented and attentive to detail. If you're looking for a rewarding career in the financial industry and enjoy providing excellent customer service.
842 Washington Way, Suite 110, Longview, WA, 98632
Lends in Washington
Mann Mortgage has been helping home buyers turn their dream of homeownership into reality for 30 years. We offer a variety of home loan solutions, including FHA, VA, Conventional, FHA 203k (Rehab) financing, USDA, low FICO loan options, investor loans, first time home buyer loans and more. Please select a loan type from the options below to learn
Fibre Federal Credit Union was founded in 1937. Sixty-three employees of Longview Fibre Company deposited a combined $315 for the purpose of making affordable loans available to credit union members. Over the decades, we have grown to become one of the Lower Columbia region’s largest credit unions.
Longshoremen’s Local 4 Federal Credit Union was established on the evening of March 1, 1956. The original name of the credit union was 1-4 Federal Credit Union. It was located in the hiring hall with limited hours of operation. We were founded by Local 4 Longshoremen to serve members of Local 4 and their families
Riverview Bancorp, Inc. is the holding company of Riverview Community Bank, a progressive community-oriented financial institution that emphasizes local, personal service throughout Southwest Washington and the Portland metropolitan area. The Company provides personal and commercial financial solutions through its network of 17 branches.
