USDA and FHA Pro and Con in Mercer-Island, King County, WA
In 2026, the USDA loan limit for Mercer-Island, in King county, WA is $659,800. In contrast, for a single-family home, the FHA limit is $776,250.
Use the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates and ascertain the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator facilitates side-by-side comparisons of USDA, FHA, Conforming, and VA programs, helping pinpoint the best choice for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Mercer-Island, King, WA
Loan Type
Maximum Limit
Minimum Down Payment
USDA
$659,800
0%
FHA
$776,250
3.5%
Conventional Conforming
$776,250
3%
USDA and FHA Loan Options in Mercer-Island, WA
Lendersa® is committed to providing you the best USDA or FHA loan rapidly and seamlessly. Begin with one of the three starting points to find matching lenders and relevant USDA loan programs.
The USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is specifically for rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment.
BancorpSouth Bank is headquartered in Tupelo, Mississippi, with approximately $27 billion in assets. BancorpSouth operates approximately 325 full-service branch locations as well as additional mortgage, insurance, and loan production offices in Alabama, Arkansas, Georgia, Florida, Louisiana, Mississippi, Missouri, Tennessee etc..
1557 East Primrose Street, Suite B100, Springfield, MO, 65804
Mortgage lending has been a perfect fit for me. Customer service comes natural. Following up with clients, explaining their loan options and educating my clients through not only the loan process but the entire real estate timeline is what I excel at. The fact that I manage projects well,
TelComm Credit Union is a not-for-profit financial cooperative where members receive many benefits, such as high savings rates, low loan rates, and the security and convenience of a sound financial institution. Readers of the Springfield News-Leader have voted TelComm the "Best Credit Union" in the Ozarks for the 13th year in a row.
BLC Community Bank is a strong, independent community bank, locally owned and dedicated to our customers and the communities we serve. We have a genuine desire to meet all of your banking needs and are diligent in our efforts to provide the latest in banking services with a friendly and personal, home-town touch.
German American State Bank was chartered on January 21, 1907 and prides itself as being one of the oldest community banks in the state of Illinois. At German American State Bank, our mission is to provide exceptional financial solutions for our customers by providing the highest quality financial products.
DEBT DOES DEALS shows clients how to use mortgage debt to build a legacy. From purchasing your first home, to refinancing an existing home loan, or building a home from scratch, we will provide you the best home loan to make your financial dreams a reality. debtdoesdeals.com is your online resource for personalized mortgage solutions,
Farmers & Merchants State Bank is Bushnell's only locally-owned bank, serving our community since 1913. We offer low rates on loans, competitive earnings on savings, and leading edge technology in all our services, along with the trust and privacy you deserve. Discover the difference of an employee owned bank
We are a locally and family owned, community bank that was established in 1914. We have seen significant growth since that time and now have additional locations in Marys Home, Freeburg and Osage Beach. Our slogan “Your Hometown Friend” is one we take great pride in, as that’s exactly what we are to our customers.
Greenwoods is headquartered in Lake Mills, WI, founded in 1884 and is a FDIC state-chartered bank. We have locations in Jefferson, Green, Rock, Racine, Walworth and Waukesha Counties.
Greenwoods is a high touch, community focused bank centered on you, our customer. We have all of the most advanced technology products
