In 2025, the USDA loan limit for Port-Townsend, situated in Jefferson county, WA, is set at $302,900. Meanwhile, for a single-family home, the FHA limit is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the leading USDA versus FHA rates available today. This tool helps determine the required income, credit score, reserves, and documentation to qualify. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA loans side by side, aiding your choice of the most suitable program for financial needs in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $302,900 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The goal of Lendersa® is to help you acquire the best USDA or FHA loan expeditiously and effortlessly. Initiate one of three starting routes that align you with the right lenders and USDA loan programs.
The USDA home loan is guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, and is specifically available in rural regions. Unlike FHA loans that require at least a 3.5% down payment, USDA loans eliminate the need for any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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