In 2026, the loan limit for a USDA mortgage in Lake-Tapps, within the county of Pierce, WA, is set at $659,800. By contrast, the FHA loan cap for a single-family home is $776,250.
Utilize the Lendersa® USDA loan calculator to analyze and compare today's optimal USDA and FHA rates, in order to determine the necessary income, credit, reserves, and documents required for qualification. Through our advanced mortgage calculator, contrast USDA, FHA, Conforming, and VA loans side by side, ensuring you choose the most appropriate program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Lake-Tapps, County of Pierce, 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-Tapps, WA
The mission of Lendersa® is to promptly secure the most favorable USDA or FHA loan for you, without hassle. You may start with any of three approaches that align you with lenders and specific USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, known as a USDA rural development loan or mortgage, and is applicable only to rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, the USDA mortgage requires no down payment whatsoever.
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