USDA Vs. FHA Pro and Con comparison in Mountlake-Terrace, Snohomish County, WA
In 2026, the limit for USDA loans in Mountlake-Terrace, which is within Snohomish county, WA, is $659,800; while for a single-family home, the FHA limit is $776,250.
Use the Lendersa® USDA loan calculator to weigh today's leading USDA and FHA rates and determine the appropriate income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, assisting your decision on which program in best fits your financial scenario.
2026 Loan Limits and Down Payment Requirements in Mountlake-Terrace, Snohomish, WA
Loan Type
Max Limit
Down Payment
USDA
$659,800
0%
FHA
$776,250
3.5%
Conventional Conforming
$776,250
3%
USDA and FHA Loan Options in Mountlake-Terrace, WA
Lendersa® aims to secure the best possible USDA or FHA loan for you promptly and with minimal hassle. Choose from three initial points to link with lenders and discover USDA loan programs.
A USDA home loan is a mortgage guaranteed by the government through the Department of Agriculture, also known as a USDA rural development loan. These loans are available only in rural areas. Unlike FHA loans that typically require a minimum of 3.5% down payment, USDA mortgages require zero down payment.
At 1st Security Bank, we know your money is more than a number. It’s the path to a better life, business, and community. That matters to us, too. And since actions speak louder than words, we strive to be the bank that shows up to help. We’ve been serving customers and communities since 1936 and it’s taught us that you only get what you give.
4720 200th Street Southwest, Suite 205, Lynnwood, WA, 98036
Lends in Washington
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
The mission of Mortgage Lending Group is to be a leader in the residential mortgage industry by providing clients with trustworthy service to achieve their financing goals; efficiently guiding the process to achieve an expedient and successful closing rate; and creating a lending environment that is readily accessible to all borrowers
3500 188th Street SW, Suite 575, Lynnwood, WA, 98037
Lends in Washington
Pacific Crest Savings Bank is a local, independently owned community bank. Delivering the highest level of customer service & expertise to our community for over three decades. We offer personal & business savings and checking products with competitive rates. Lending includes specialized loans for commercial, multifamily and residential properties.
3400 188th Street SW, Suite 101, Lynnwood, WA, 98037
Lends in Washington
Capstone Home Loans is a leading, full-service integrated mortgage bank setting the standard for the industry today with a purposeful eye towards the future. A unique firm with a practice that actively supports the talents of experienced mortgage professionals who are focused on serving their client’s goals in pursuit of the American Dream.
Josh Kostelyk and my official title is Mortgage Loan originator, which sounds a little stuffy. In short, I help people buy homes and refinance homes by securing top of the line mortgage products that meet their specific needs while saving them time I'm an independent broker with direct connections to a multitude of lending institutions.
2150 North 107th Street, Suite 170, Seattle, WA, 98133
Lends in Washington
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
Cleveland Street Mortgage started in 1999 with Ted Robinson and Chris Butaud (with support from our silent partner and friend Vicki Adair and our first employee Karil Gray) who shared a mission to earn an excellent name in the real estate marketplace. The industry has changed a lot during the intervening years.
Pacific Mortgage with one simple goal in mind – to provide local families with the opportunity to purchase a home by helping them secure a loan to meet their individual needs at a competitive rate. At North Pacific Mortgage, we are passionately committed to serving our clients by delivering honesty, integrity and excellence in all facets business
Qualstar provides sound financial products and services who work hard for the money and want to make the most of it! From basic savings and checking accounts that earn interest to auto loans, credit cards, home loans and more! Use Mobile Banking to manage your account - account history & pending holds, transfers, loan payments.
