In 2026, the USDA loan limit for Lacey, in Thurston County, WA, is $381,800. By comparison, the FHA limit for a single-family home is $546,250.
Utilize the Lendersa® USDA loan calculator to assess current USDA vs. FHA rates and determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you decide which program is best for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Lacey, Thurston County, WA
Loan Type
Loan Limit
Down Payment
USDA
$381,800
0%
FHA
$546,250
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Lacey, WA
Lendersa® aims to quickly secure the best USDA or FHA loan without hassle. Choose one of three starting points to connect with lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan, is offered by the Department of Agriculture and available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment.
5024 S Bur Oak Pl, Suite 113B, Sioux Falls, SD, 57108
Tailored Mortgage Group is one of only a few independent mortgage brokerages in all of South Dakota. Mortgage brokers differ from normal lenders in that we have the ability to work with dozens of lenders to shop for the best rates and fees for our customers. We do the shopping for you. Mortgage loans.
The mission of Genoa Community Bank is to provide financial services to the local market area, to meet the needs of its shareholders and employees, and to assist Genoa and surrounding communities to maintain and grow economic activity. Genoa Community Bank will uphold the highest standards of quality and ethics.
We are a locally owned, full service bank based in Norfolk, Nebraska with locally managed branches across Nebraska and Iowa. We have been serving our communities for over 50 years. BankFirst is the local bank you can trust. With 12 locations spread across Nebraska and Iowa, we are invested in the communities we serve.
Northeast Nebraska Federal Credit Union is a “not for profit” financial institution where you’re an owner. So what does that mean exactly? Simply, profits are not given to stockholders, like a bank. Profits are reinvested into your credit union to lower loan rates, and increase dividends.
Archer Credit Union is a community credit union offering a full range of personal, agricultural, and commercial financial services. At ACCU, we value people first and trust is traditional. Stop by or give us a call to see how to become a member.Credit Union is a community credit union offering a full range of personal, agricultural,
The Citizens State Bank is a branch office of The Citizens State Bank. They provide the following services: Full Service Office Location and are located at 601 S. Main Street in Hugoton Kansas. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
Farmers & Merchants State Bank of New York Mills, Incorporated
11 Walker Avenue North Otter Tail, New York Mills, MN, 56567
Farmers & Merchants State Bank is a local bank serving our community’s financial needs with quality products and services. We are committed to exceeding our customers’ expectations with our friendly and professional staff. As a local, independent bank, we do not offer risky products and we pride ourselves on knowing our customers
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