USDA Vs. FHA Pro and Con comparison in Olympia, Thurston County, WA
For 2026, the USDA loan limit in Olympia, county of Thurston, WA, is $381,800. The FHA limit for a single-family home is $546,250.
Utilize the Lendersa® USDA loan calculator to evaluate today's premier USDA vs. FHA rates, helping you determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA options can be assessed side by side, making it easier to decide which program in suits your financial situation best.
2026 Loan Limits and Downpayment Requirements in Olympia, County of Thurston, WA
Loan Type
Loan Limit
Down Payment
USDA
$381,800
0%
FHA
$546,250
3.5%
Conventional Conforming
$726,200
3%
Examining USDA and FHA Loan Options in Olympia, WA
Lendersa® aims to efficiently secure the best USDA or FHA loan without hassle. Consider one of three provided starting points to connect with matching lenders and access USDA loan programs that align with your financial needs.
A USDA home loan, often called a USDA rural development loan or USDA mortgage, is a government-guaranteed loan offered by the Department of Agriculture, specifically for rural neighborhoods. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans have no down payment requirement, making them an attractive option for eligible buyers in rural areas.
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.
evergreenDIRECT Credit Union is owned by each and every member that we serve. It's no surprise our sole focus is to provide quality, flexible services to our members at a reasonable price. Something we call "Banking. At your speed.Banks, on the other hand, are different. They have shareholders and investors to whom they have to pay large profits.
WCLA Credit Union is committed to providing competitive dividends on deposit accounts and reasonable rates on loans. The money that members deposit into the credit union goes straight back to the logging and timber industry through business loans that finance the purchase of vital equipment.
We promise our credit unions and their members professional, accurate and efficient service. We value each and every relationship and we are dedicated to making life easier for our credit unions and their members. We commit ourselves to providing a service-first, competitive and compliant mortgage servicing solution for the credit union industry.
St Julien Home Loans is a family-owned mortgage solutions company with over 42 years of experience. Located in Tumwater, Washington we service loans all across the state and partner with several banks and credit unions. Founded in 2005 by Bonnie and Wendy St. Julien, a mother and daughter team.
NTFN is a full service mortgage banker established in 1992 originally as Park Cities Mortgage. It was started by two men that felt they could create a better experience for their borrowers. They founded the company on the premise of excellent service, increased control and a faster more flexible process
"Accel Mortgage We believe in the value of honest, ethical business dealings, and in unsurpassed customer service.We want you to not only be happy with your home but also with the mortgage program.
Whether you are in need of a mortgage for a refinance or a home purchase, we will help you find the mortgage that best fits your needs
Olympia Federal Savings began in 1906 in downtown Olympia remaining a mutual savings and loan, owned by our account holders ever since. With loans and deposits staying local, you can rest-assured knowing your dollars are reinvested back into the community in which you work and live.
TwinStar is a community credit union in the Pacific Northwest with more than 100, 000 members and over $1 billion in assets. Our reputation for providing value and empowering the community stretches beyond the borders of Washington State and Oregon, where our 20 branches are located.
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.
