USDA Vs. FHA Pro and Con comparison in Lake-Forest-Park, King County, WA

In the year 2025, the USDA loan limit for a single-family residence in Lake-Forest-Park, found in the county of King, WA, is set at $659,800, whereas the FHA limit is $776,250.

Utilize the Lendersa® USDA loan calculator to measure and contrast the leading USDA against FHA rates available today. This will help you determine the necessary income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side to make informed decisions on the most suitable program for your financial needs in .

Explore loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Lake-Forest-Park, County of King, WA

Loan Type Loan Limit Down Payment
USDA $659,800 0%
FHA $776,250 3.5%
Conventional Conforming $776,250 3%

USDA and FHA Loan Options in Lake-Forest-Park, WA

The objective of Lendersa® is to secure the most beneficial USDA or FHA loan for you promptly and seamlessly. You can begin with any of three initial approaches that pair you with lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in WA

The USDA home loan is supported by the government through the Department of Agriculture and is also known as a USDA rural development loan or mortgage. It is restricted to rural areas only. Unlike FHA loans that demand a minimum of 3.5% down payment, the USDA mortgage does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Jay Crowell Loan Officer - Cornerstone Home Lending
  • 600 University Street, Suite 2828, Seattle, WA, 98101
  • At Cornerstone Home Lending, Inc., you will find a cohesive team of caring, seasoned professionals who are passionately dedicated to making your home-financing transaction a remarkable experience. Established in 1988, Cornerstone is a refreshingly unique national home lender with thousands of highly-satisfied clients.
  • Lendinco LLC
  • 600 University Street, Suite 2401, Seattle, WA, 98101
  • At LENDINCO, we offer many different loan programs for first-time buyers, investors, and every type of buyer in between. Listed below are just some of the loan programs that we offer. If you would like to speak to an experienced loan originator, fill out our Contact Form or give us a call.
  • Arboretum Mortgage
  • 601 Union St, Suite 2727, Seattle, WA, 98101
  • Arboretum Mortgage has grown its business through hard work, careful planning, and by cultivating lasting relationships with our clients built on honest and ethical lending practices. During that time we have funded residential home loans for thousands of individuals and families throughout the Pacific Northwest in excess of 4 billion dollars.
  • Flyhomes Mortgage
  • 1201 Western Ave, Suite 100, Seattle, WA, 98101
  • "Our mission is to build the world’s best homebuying experience. Buying a home doesn’t have to feel complicated. Our simplified approach helps you search, buy, and move in—all without having to stumble through the traditional process. To make everything easier, we brought our local experts together,"
  • Penrith Home Loans LLC
  • 601 Union Street, Suite 2217, Seattle, WA, 98101
  • Penrith Home Loans is a full-service mortgage bank providing homebuyers with complete home-financing solutions.Our team offers extensive expertise and a proven history of outstanding customer service. We have a reputation of consistent, reliable performance and look forward to building relationships with our customers upon that foundation.
  • Broadmark Real Estate Management
  • 1420 Fifth Avenue Suite 2000, Seattle, WA, 98101
  • Broadmark Realty Capital Inc. (NYSE: BRMK) offers short-term, first deed of trust loans secured by real estate to fund the acquisition, renovation, rehabilitation or development of residential or commercial properties. Broadmark Realty Capital manages and services its loan portfolio across a variety of market conditions and economic cycles.
  • Salal Credit Union - Tukwila
  • PO Box 75029, Seattle, WA, 98175
  • At Salal, we believe small actions can lead to great impact. We were founded in 1948 by a group of nine healthcare workers who pooled together $45 to start a credit union. Today we have 50, 000+ members in 18 states. Staying true to our roots, we’ve never stopped finding innovative ways to serve underserved communities and promote a healthier
  • Lenders Wholesale
  • 929 108th Ave NE Ste. 1030, Bellevue, WA, 98004
  • How Private Lending Can Get Your Loan Pipeline Growing Again! The best part is we are far more than just lenders. We are strategic partners who will show you and teach you exactly how to tap into the fastest growing, most profitable lending segment in real estate today…and over the next 3-5 years or more.
  • Puget Sound Cooperative Credit Union
  • 11201 SE 8th Street, Suite 208, Bellevue, WA, 98004
  • Originally chartered in 1934 as Puget Sound Power & Light Employees Credit Union; today’s Puget Sound Cooperative Credit Union (PSCCU) is not only a not-for-profit, member-owned financial cooperative, but we have grown to become a proactive contributor to environmental sustainability, financial security for others, and job creation.
  • Military VA Loan
  • 200 112th Ave NE, Suite 310, Bellevue, WA, 98004
  • MilitaryVALoan.com is an independently owned, non-government site, operated by Full Beaker, Inc. NMLS #1019791. We make the VA home loan process easy. Call 888-977-5113 to get started.government site, operated by Full Beaker, Inc. NMLS #1019791. We make the VA home loan process easy.
  • Fortis Mortgage Advisors
  • 1601 114th Avenue SE, Suite 106A, Bellevue, WA, 98004
  • The mortgage process has garnered the reputation of being painful, expensive, and time-consuming. We believe it doesn’t have to be. When we started Fortis Mortgage Advisors our goal was to take a complex process and make it easy. At our core, we believe that homeownership, with the right mortgage, is the best.
  • Creek And Ocean Mortgage
  • 845 106 Ave NE, Suite 101, Bellevue, WA, 98004
  • Creek and Ocean mortgage To overcome this challenge, we work closely with a large number of reputable lenders. We diligently monitor the market to see which lender offers competitive rates and fees; who is running specials; and who currently excels in terms of turn time and customer services.