USDA VS FHA in Marietta-Alderwood, Whatcom County, WA

For 2025, the USDA loan ceiling in Marietta-Alderwood, within the county of Whatcom, WA, is established at $411,200, while the FHA loan cap for a single-family home is set at $603,750.

Leverage the Lendersa® USDA loan calculator to evaluate the current top rates for USDA versus FHA loans, and identify the income, credit, reserves, and documentation needed for approval. Our enhanced mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, aiding you in choosing the best option in for your financial situation.

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2025 Loan Limits and Required Down Payments in Marietta-Alderwood, Whatcom, WA

Loan Type Cap Amount Minimum Down
USDA $411,200 0%
FHA $603,750 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Marietta-Alderwood, WA

Lendersa®'s mission is to swiftly secure the optimal USDA or FHA loan for you, minimizing complications. You can choose from one of three initial paths, each leading to matching lenders and USDA loan offerings.

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Understanding a USDA Loan in WA

A USDA home loan is a government-assisted program facilitated by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, which is exclusive to rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA loan demands none.

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



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