USDA and FHA Pro and Con in Newcastle, King County, WA

For the year 2026, the USDA loan limit in Newcastle, within the county of King, WA, is set at $713,000. In contrast, the limit for an FHA loan for a single-family home is $977,500.

Utilize the Lendersa® USDA loan calculator to evaluate today's optimal USDA and FHA rates. Identify the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program for your financial situation in .

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Overview of 2026 Loan Limits and Downpayment Requirements in Newcastle, County of King, WA

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

Discovering USDA and FHA Loan Options in Newcastle, WA

The aim of Lendersa® is to efficiently provide you with the best USDA or FHA loan available, without hassle. Choose one of three starting points to get matched with lenders and USDA loan programs.

  1. Submit a comprehensive request with USDA/FHA loan optimization
  2. Identify USDA and FHA rates & terms before anything else
  3. Access the largest USDA loan lender database
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Understanding the USDA Loan in WA

A USDA home loan, guaranteed by the Department of Agriculture—sometimes referred to as a USDA rural development loan or mortgage—is specifically available for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.

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  • THE FARMERS STATE BANK AND TRUST COMPANY
  • 200 West State Street, Jacksonville, IL, 62650

  • The Farmers State Bank and Trust Company has been proudly serving the Morgan County Community for over 100 years.

    The Farmers State Bank and Trust Company was organized in 1910 under a charter issued by the State of Illinois. Upon subscribing the necessary capital, a group of prominent businessmen.

  • Majesty Mortgage Inc
  • 15460 West Capitol Drive, Suite 220, Brookfield, WI, 53005

  • Majesty Mortgage is an Equal Housing Lender. Loans are available on a fair and equal basis regardless of race, color, national origin, religion, sex, handicap, marital status, familial status (having children under the age of 18) because income is from public assistance, or because a right was exercised under the Consumer Credit Protection Act

  • Landmark Credit Union
  • 555 S. Executive Dr, Brookfield, WI, 53005

  • Landmark Credit Union is a not-for-profit financial cooperative owned by our customer/members. We return our profits to our members with exceptional rates, lower fees and personalized service. We serve all people living or working in Southern and Northeastern Wisconsin, plus Lake and McHenry Counties in Illinois.

  • GSF Mortgage Corp
  • 15430 West Capitol Drive, Brookfield, WI, 53005

  • GSF Mortgage Corporation is dedicated to the prosperity of its customers. We are committed to demonstrating the utmost integrity - both professionally and personally - while providing top quality service. We focus on securing the best possible outcome for those who place their trust in us for their mortgage needs.

  • ProVisor, Inc.
  • 200 S. Executive Drive, Suite 120, Brookfield, WI, 53005

  • ProVisor, we understand the stresses of shopping around for a mortgage. That’s why our mission is to make things as simple, easy, and fast as possible, offering transparent rates because we understand this is your money. As your mortgage may be paid for many years to come, making an informed and wise.

  • Go Mortgage
  • 15430 W. Capitol Dr, Brookfield, WI, 53005

  • "GO Mortgage, we personalize each customer relationship to ensure we can deliver on their unique needs. As a company with a diverse access to the best products in the industry, our reach will get you the best outcome as possible.We also offer competitive rates along with an added expertise in the following:
    Conventional mortgage
    FHA home loan"

  • Justice Finance Co
  • 5432 E Grand Ave, Suite B, Dallas, TX, 75223

  • Justice is a family owned business that originally began in 1972 in Dallas, Texas with one office. Since that time we have grown our operation to 18 locations throughout the DFW Metroplex. We believe in a close personal relationship with all our customers and would look forward to serving your financial needs in the future.

  • Illinois Community Credit Union
  • 508 W. State Street, Sycamore, IL, 60178

  • Illinois Community Credit Union began in 1935 as Sycamore Community Credit Union. Community leaders came together to form a financial institution that was owned by and operated for the benefit of the people of Sycamore and the surrounding area. Sycamore Community Credit Union provided a place where local residents could borrow at reasonable rates.

  • Source 1 Mortgage
  • 1430 Dekalb ave, Sycamore, IL, 60178

  • Source 1 Mortgage has zero lender fees and is the largest Mortgage Brokerage in DeKalb county. We specialize in low down payment programs, as well as FHA, VA, Conventional and USDA loans. As a Brokerage we are able to works with some of the largest investors and mortgage wholesalers in the nation to offer you the widest array of product
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