USDA Vs. FHA your options comparison in Navy-Yard-City, Kitsap County, WA

During 2026, the USDA loan limit for Navy-Yard-City, located in Kitsap county, WA, is $370,400. Meanwhile, the FHA limit for a single-family dwelling is $435,850.

Utilize the Lendersa® USDA loan calculator to compare the best available USDA versus FHA rates today. Determine the necessary income, credit status, reserves, and documentation required to qualify. Our sophisticated mortgage calculator cleverly displays USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the ideal program in Alabama for your unique financial circumstances.

Evaluate loan offers from a diverse array of 100 lenders

Detailed loan limits and down payment needs for 2026 in Navy-Yard-City, Kitsap county, WA

Loan Type Loan Limit Down Payment
USDA $370,400 0%
FHA $435,850 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA loan options in Navy-Yard-City, WA

The aim of Lendersa® is to swiftly secure the most advantageous USDA or FHA loans for you, hassle-free. Begin with any of three straightforward paths that result in matched lenders and appropriate USDA loan programs.

Visual of Lendersa USDA loan request and matching results

Understanding USDA Loans in WA

The USDA home loan is backed by the Department of Agriculture and often referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural communities. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require no down payment at all.

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



  • Carlyle Mortgage Inc.
  • 1901 South Bascom Avenue, Suite 1410, Campbell, CA, 95008
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide loans to our clients while providing them with the great service. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.We know you have a lot of options when it comes to yourmortgage financing.

  • BeneGroup, Inc.
  • 1999 South Bascom Avenue, Suite 700, Campbell, CA, 95008
  • BeneGroup, Inc. provides Residential and Commercial Real Estate consulting and financing services to a broad range of national and international clientele. In the current lending market, with its dynamic and ever changing guidelines, you need a firm that is well versed with the current lending rules and legislative regulations to assist you.

  • Bayview Residential Brokerage
  • 51 E Campbell Avenue, Suite 110, Campbell, CA, 95008
  • "Bayview Residential provides home lending and real estate services as one of the largest independent mortgage and real estate brokerages in California and recently ranked as the number 10 mortgage brokerage in the US.

    Established in 2004, Bayview works with over 150 agents, 90 of whom are endorsed as Mortgage Loan Officers."

  • Diversified Loan Services, Inc.
  • 257 E Campbell Ave #3, Campbell, CA, 95008
  • Diversified Loan Services, Inc. (DLS) is committed to providing sound and secure trust deed investment opportunities for private individuals looking for higher rates of return on their investment. We value personal relationships and integrity in meeting our client’s investment needs.

  • Kal Financial
  • 2542 South Bascom Avenue, Ste. 130, Campbell, CA, 95008
  • Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free Campbell California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office no.

  • Wonderate
  • 2611 Senter Rd, Suite 212A, San Jose, CA, 95111
  • "We transform the way people apply for home loans. We give truly financial mortgage freedom to borrowers like you. You are now able to fully customize home loans in the way you want.
    We are always finding innovative ways to empower consumers to get better better real estate goals."

  • Deseret First Credit Union
  • 2480 S 3850 W, Suite C, West Valley City, UT, 84120
  • "Deseret First Credit Union exists to foster the financial independence and well-being of its members within the LDS community. Our reputation for providing value and empowering the community reaches beyond the borders of Utah, where our 11 branches are located.

    Because we are a credit union, we have members, and not customers."

  • Willow Financial
  • 4647 Columbia River Ct, San Jose, CA, 95136
  • Nadim Aziz is committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you.

  • Loan-guys.com (e-constructionloans.com)
  • 2074 Mataro Way, San Jose, CA, 95135
  • Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.

  • Integrity Lending.LLC
  • 825 North 300 West, Suite C423, Salt Lake City, UT, 84103
  • At Integrity Lending, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you

  • Continental Bank
  • 15 West South Temple, Suite 420, Salt Lake City, UT, 84101
  • Continental Bank is a privately owned FDIC insured commercial bank founded in 2003 and headquartered in Salt Lake City, Utah. We specialize in commercial equipment financing for small and medium-sized businesses nationwide and are known both for our willingness to listen to our customers’ needs, and ability to fund their deals quickly.