USDA Vs. FHA Pro and Con comparison in Kent, King County, WA
For 2026, the USDA loan limit within Kent, located in King County, WA, is $713,000; meanwhile, the FHA limit for a single-family residence stands at $977,500.
Leverage the Lendersa® USDA loan calculator to contrast the best rates between USDA and FHA as of today, and determine what income, credit score, financial reserves, and documentation are necessary for eligibility. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping you identify the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Kent, King County, WA
Loan Type
Loan Limit
Down Payment
USDA
$713,000
0%
FHA
$977,500
3.5%
Conventional Conforming
$977,500
3%
USDA and FHA Loan Options in Kent, WA
The purpose of Lendersa® is to deliver the most suitable USDA or FHA loan promptly, without any hassle. You can begin from one of three options that align you with lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage provided by the Department of Agriculture, also termed as a USDA rural development loan or USDA mortgage, intended only for rural areas. FHA loans require at least a 3.5% down payment, whereas a USDA mortgage demands no down payment at all.
"Soundview Lending Group helps small and mid-size businesses obtain the capital needed for their business. We have built trusted relationships with alternative lenders who are ready to provide funding. Yes! You have options.
Additionally, we offer consultation services to small and mid-size businesses."
Founded in 2016 by veterans in the real estate industry, our executive lending team has a combined total of 25 years of experience in residential and commercial hard money lending practices. We are extremely familiar with the extremely difficult processes that individuals go through when attempting to secure loans from lenders and banks.
Established in 1952, Cascade FCU originally served employees of the Cascade Division of the Great Northern Railway. Through railroad mergers, the Burlington Northern Santa Fe developed, which is our largest employee group. In 1982, credit union regulations began allowing credit unions to serve additional employee groups.
Rhonda Porter is a Licensed Mortgage Originator MLO121324 living in the greater Seattle area. Rhonda began her career in 1986 in the title and escrow industry and joined Mortgage Master Service Corporation as a Loan Officer in 2000 and began blogging in 2006. Mortgage Master Service Corporation (NMLS ID#40445) is owned by the Porter family.
Affordable Goods Since the 1980's, Kent Jewelry & Loan has been serving Washington residents with used retail items at reasonable prices. As Kent's oldest pawn shop, our family-owned and operated business has never failed to supply a large variety of used firearms, jewelry, electronics, sporting goods
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Kiel Mortgage is a company that lives by core principles to help ensure that decisions are made with each business relationship that focuses on integrity, high ethical standards and a commitment to excellence. Our primary approach to business has been to treat each refinance or purchase as if it was a close family member.
20425 - 72nd Avenue South, Suite 210, Kent, WA, 98032
Lends in Washington
Mortgage Master is a nationally trademarked company, established in 1976 by members of the Porter family, veterans of the real estate industry since 1950. What began as a small family endeavor has flourished over the years into one of the leading lenders in the Pacific Northwest.
Since 1923, we have built our reputation as a provider of financial solutions, a concierge of professional connections, and a partner in community service. First Financial Northwest Bank - providing personalized service that drives us to deliver Unique, Innovative financial solutions across 15 branches in King, Snohomish and Pierce County.
16300 Christensen Rd, Suite 350, Seattle, WA, 98188
Lends in Washington
We started Certain Lending to standardize mortgage lending and correct market inefficiencies through software. We created a direct lending company to research, develop and perfect the borrower experience, loan origination, and capital markets features that a successful platform must address.
