USDA and FHA Pro and Con in Lacey, Thurston County, WA
In 2025, 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 .
2025 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.
The A & S Federal Credit Union was established in March of 1940 by a handful of individuals who foresaw the need for a financial institution to serve people of ordinary means. The credit union, formerly know as the A & S RR Employees Federal Credit Union, was formed with money deposited by people who worked on the Aliquippa & Southern Railroad.
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Our Credit Union is membership owned and a nonprofit financial institution. We are a controlled institution based on "people helping people" principles. We offer an array of account options including checking, savings, loans, and CDs. Providing affordable financial services, lower interest rates, and helping you save money is what we do best.
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130 South Elmwood Avenue, Room 147, Buffalo, NY, 14202
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