In the year 2026, the USDA loan ceiling in Oak-Harbor, located in the county of Island, WA, is $366,500, whereas the FHA limit for a single-family house is $431,250.
Utilize the Lendersa® USDA loan calculator to effectively compare the current top USDA and FHA rates, helping you determine the necessary income, credit requirements, reserves, and documents needed for eligibility. Our advanced mortgage calculator displays, side by side, USDA, FHA, Conforming, and VA options, assisting in selecting the best program for your financial circumstances in .
2026 Loan Ceilings and Downpayment Requirements in Oak-Harbor, County of Island, WA
Type of Loan
Maximum Limit
Initial Payment
USDA
$366,500
0%
FHA
$431,250
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Opportunities in Oak-Harbor, WA
The aim of Lendersa® is to connect you with the best USDA or FHA loan available, efficiently and without hassle. Choose from a selection of three starting points that lead to matching lenders and relevant USDA loan programs.
A USDA home loan, supported by the U.S. Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage, exclusively intended for rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans do not require any down payment whatsoever.
On January 26, 1954, we received our charter as North Montana Texaco Employees Federal Credit Union. In 1958 our name was changed to Puget Sound Texaco Federal Credit Union. In June of 1988, Seattle Texaco Credit Union merged with our credit union. When Texaco merged with Equilon, the new credit union name became E. E. Federal Credit Union.
Fulton Financial Consultants, Inc. formally incorporated under the laws of Washington State on April 21, 1980 with the name Fulton Insurance Consultants, Inc. Then in 1995 changed its name to Fulton Financial Consultants, Inc. which was done for multiple reasons including the preparation of expanding licensing to become a Mortgage Broker.
"Buying a home is about more than interest rates. You need knowledgeable, mortgage professionals who give you their best-consistently. Whether you’re a first-time home buyer or looking to refinance an existing loan, our professionally trained staff of Mortgage Advisors is ready to help."
9715 271st Street Northwest, Suite 3, Stanwood, WA, 98292
Lends in Washington
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
financial edge mortgage loan program that's is the best for you. Our team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, refinancing a mortgage,
120 E George Hopper Rd, Suite 200, Burlington, WA, 98233
Lends in Washington
"Private Lending Investments, Inc. is committed to providing the highest level efficient service to both the investor and buyer of our private loans. We take great pride in our level of communication with each client throughout every step of the loan. We specialize in the ability to structure each of the private loans"
The 1st Mortgage Services team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
224 W. Washington St, Suite 103, Sequim, WA, 98382
Lends in Washington
Peninsula Mortgage is the longest running independent Mortgage Lender on the Peninsula and is known for expertise, great loan prices and personal service and As an independent Mortgage Lender I am able to fit the best home loan available to my client's needs. A "single source" Lender can only offer the loans they happen to have in house.
Clift Mortgage has been walking first time home buyers and veteran investors through the murky waters of residential lending for nearly 20 years, and with over 100 years combined experience, we know the pitfalls to avoid, and have the answers you need! residential lending for nearly 20 years
We've been devoted to our members since 1939. Treat each other with respect, understanding, consideration and dignity. We will create a rewarding and positive working environment where all can fulfill their potential and enjoy coming to work. Deliver compassionate, knowledgeable and personal service that helps members achieve their dreams.
