USDA Vs. FHA Pro and Con comparison in Medina, King County, WA

In 2026, the USDA loan cap in Medina, King County, WA is $713,000; meanwhile, for a single-family home, the FHA limit is $977,500.

Use the Lendersa® USDA loan calculator today to compare the best USDA vs. FHA rates, and identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, helping you select the best program for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Medina, King County, WA

Loan Type Loan Limit Down Payment
USDA $713,000 0%
FHA $977,500 3.5%
Conventional Conforming $977,500 3%

USDA and FHA Loan Options in Medina, WA

Lendersa® aims to get you the best USDA or FHA loan without hassle. Start with one of three ways to match lenders and USDA programs.

Results from Lendersa USDA loan match

Understanding USDA Loans in WA

USDA home loans, backed by the U.S. Department of Agriculture, known as USDA rural development loans or USDA mortgages, are available exclusively in rural areas. Unlike FHA loans that require a 3.5% down payment, USDA loans require none.

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



  • Soaring Falcon Mortgage
  • 7041 Koll Center Pkwy, Suite 270, Pleasanton, CA, 94566
  • "To provide alternative loan solutions to investors who have been turned down by other banks/lenders.

    We have hundreds of investors both institutional and private persons that we work with over the years. Since every loan scenario is unique, we always strive to provide unique options to maximize the best interest for our clients."

  • Pacificwide Lending
  • 7041 Koll Center Pkwy, Suite 270, Pleasanton, CA, 94566
  • Andrew Liu founded Pacificwide Lending in 2002, after he left the high tech industry. He started the business with just one person. Over the years, he grew the company into a 40 plus agency lending out hundreds of millions dollars loans a year on average. Andrew Liu always kept the business going, it survived on return customers and referrals.

  • Pacific Wide Lending
  • 7041 Koll Center Pkwy Suite 270, Pleasanton, CA, 94566
  • The vision of Pacificwide Lending is to provide consumers with loans that they would otherwise not be able to obtain from conventional means. Over the years, we have helped hundreds of business owners and investors to obtain loans without having them to provide tax returns or other documents.

  • Rush Financial
  • 1430 Renown Drive, Tracy, CA, 95376
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Dream Home Real Estate & Home Loans
  • 68 East 11th Street, Suite 104, Tracy, CA, 95376
  • Dream Home Real Estate & Home Loans is a revolutionary innovator in the real estate industry. We have the Fastest Response Time and our Broker has been Voted The Best Real Estate Agent in Tracy by Tracy Press Readers 3 Years in a Row for 2012, 2013 and 2014. We strive to provide you with a pleasant and stress free Real Estate Transaction.

  • Optimal Loans
  • 799 Fletcher Lane, Suite 202, Hayward, CA, 94544
  • Optimal Loans strives to stay market competitive by offering expert knowledge and deep banking connections. We will fight hard to get you the best deal out there. We earn customer trust, not just on one loan --but stay in your corner as you buy homes, buy or grow a business or invest commercially.

  • American Realty Services
  • 23704 Clawiter Road, Hayward, CA, 94545
  • Whether you are looking for houses for sale or to sell a house, the most important thing is that you work with a real estate agent that you can trust. As your loyal real estate agent, I take it upon myself to provide you with the guidance and assistance that you deserve throughout the entire real estate process.

  • Champion Home Loans Inc
  • 372 Fairview Way, Milpitas, CA, 94545
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • United Financial Services.
  • 24301 Southland Dr, Suite 409, Hayward, CA, 94545
  • United Financial Services (UFS) provides private direct loans. We provide short-term fix & flip financing and long-term rental financing for real estate investors. Our loans, often called “hard money” can be used for the purchase or refinance of non-owner occupied residential properties, financing of renovation projects, and bridge funding.

  • Upstar Home Mortgage Inc.
  • 2005 Evergreen Ave., Modesto, CA, 95350
  • Upstar Home Mortgage Inc. is a trusted lender offering competitive home loans and refinancing solutions. With a customer-first approach, they provide personalized mortgage options, expert guidance, and a seamless loan process. Upstar helps clients achieve homeownership with flexible terms and great rates.