USDA VS FHA in North-Yelm, Thurston County, WA

For 2026, the USDA loan limit in North-Yelm, within Thurston county, WA, is $324,700, while the FHA limit for a single-family home is $405,950.

Use the Lendersa® USDA loan calculator to compare the top USDA and FHA rate offers today. Determine income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, helping you find the best program in for your financial circumstances.

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2026 Loan Limits and Down Payment Requirements in North-Yelm, Thurston, WA

Loan Type Loan Limit Down Payment
USDA $324,700 0%
FHA $405,950 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in North-Yelm, WA

Lendersa®'s goal is to quickly secure the best USDA or FHA loan, minimizing hassle. Start with one of three choices that connect you to lenders and USDA loan programs.

Lendersa USDA loan request and results

What is a USDA Loan in WA?

A USDA home loan, backed by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum of 3.5% down, USDA loans need no down payment, offering considerable advantages.

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



North-Yelm Lenders

  • First Millennium Holdings
  • 601 1st ave suite 1400, Spokane, WA, 98580
  • Lends in Washington
  • making your dreams of tomorrow a reality today. Originating Conventional VA FHA USDA
    Jumbo Stated No Doc and NiV DSCR No ratio. our website is top notch and and you view and check the status of your rate with a custom quote with live pricing from our investment banks 24 hours a day

  • Mortgage Northwest
  • 507 Hidden Forest Drive, Olympia, WA, 98513
  • Lends in Washington
  • We are a full-service mortgage company based in Olympia, WA. We specialize in Refinance, Home Purchase, Loans, and Great Rate Mortgages in Olympia, Lacey, Tumwater, Yelm, Tacoma, Shelton, Centralia, Chehalis, and Dupont. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.

  • Community 1st Credit Union WA
  • 955 Ross Loop, Suite 100, Dupont, WA, 98327
  • Lends in Washington
  • At Community 1st Credit Union you’re a member-owner, not a customer. And unlike a bank, you share in the collective earnings through preferred rates, limited fees and advancements in financial services. We’re committed to a community-based service to help ensure a more prosperous future for our families and communities.

  • America's Credit Union
  • 1495 Wilmington Drive, Dupont, WA, 98327
  • Lends in Washington
  • ACU is a not-for-profit credit union. Unlike traditional banks, we don’t issue stock or pay dividends to outside stockholders. Instead, we are owned and operated by our members — and all profits are returned to our membership. This allows us to offer lower loan rates, higher interest returns on deposits.

  • Grimm Mortgage Services
  • 7311 20th Avenue Southeast, Olympia, WA, 98503
  • Lends in Washington
  • Thomas W Grimm has Over 25 years experience in mortgage lending. Thomas work with multiple lenders to ensure he can find just the right loan for you and at a fair price. If You have a question about your loan, Never be in the dark again. Thomas do his best to answer all calls and texts from 8 am to 10 pm PST, 7 days a week.

  • Cornerstone Home Mortgage
  • 4520 Intelco Loop SE, Suite 1A, Lacey, WA, 98503
  • Lends in Washington
  • Cornerstone Home Mortgage, 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 and your family from the many mortgage.

  • Turn Two Mortgage
  • 2219 179th St Ct E, Tacoma, WA, 98445
  • Lends in Washington
  • Turn Two Mortgage offers customized mortgage solutions, superior rates, lightning speed and first-class service creating an amazing borrower experience. What sets us apart from the rest is our dedication to customer satisfaction. We understand that buying or refinancing a home is a significant decision, and we take pride in providing exceptional se

  • Mortgage Express, Inc.
  • 17411 Waller Road East, Tacoma, WA, 98446
  • Lends in Washington
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans that meet the needs of our friends and neighbors. We have been in business since 1991 and our staff has over 50 years in combined experience. We put that experience to work for you.

  • O Bee Credit Union
  • PO Box 5000, Lacey, WA, 98509
  • Lends in Washington
  • O Bee Business team offers creative, common-sense financing designed to fit your specific business needs. Each business we work with comes to us with dreams, goals and a lot of grit. We focus on logical steps to make it happen. We’ve been helping small, medium and large sized businesses grow and profit for more than 15 years.

  • Washington Business Bank
  • 223 5th Avenue SE, Olympia, WA, 98501
  • Lends in Washington
  • Washington Business Bank provides financial services that enable our clients to become more successful.We may not be the largest bank in the area, but that doesn’t mean we are any less sophisticated when it comes to providing everything you need from your bank. Our team of banking professionals is dedicated to providing you.