USDA Vs. FHA Pro and Con comparison in Oak-Harbor, Island County, WA
In the year 2025, 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 .
2025 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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8345 W. Sunset Rd, Suite 380, Las Vegas, NV, 89113
We have been committed to serving the needs of our borrowers for over 30 years. We are a full-service lender offering quick pre-approvals, in-house underwriting and on-time closings at competitive interest rates. While most lenders have limited flexibility in qualifying home buyers.
8337 West Sunset Road, Suite 300, Las Vegas, NV, 89113
Our team constantly strives for self improvement and incorporate this knowledge and education to help our clients have a better experience. I have been lending since 1997 so I already know what the underwriter is looking for and can prepare you for that process. That means simplicity for you, and an advocate to show you how to navigate the waters
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.
"Lone Mortgage has been open since 2006
Offering the industry's deepest menu of loan programs, allowing us to close loans when other lenders have said no. We are dedicated to providing superior service combined with innovative loan programs to ensure the greatest value for our customer... creating a ""Client for Life."""
5185 S. Durango Drive, Unit 2, Suite 101, Las Vegas, NV, 89113
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.
At All Western Mortgage, we leverage our talent and resources to reinvent our industry, continuously striving to be recognized as a leader in the mortgage business. We always aspire to provide superior service combined with innovative loan programs to ensure the greatest value for our customers, creating a “Client for Life”.
