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.
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