USDA Vs. FHA Pro and Con comparison in Port-Townsend, Jefferson County, WA
In 2026, 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 .
2026 Loan Limits and Downpayment Conditions in Port-Townsend, County of Jefferson, WA
Loan Type
Loan Limit
Down Payment
USDA
$302,900
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Port-Townsend, WA
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.
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
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.
19917 7th Avenue Northeast, Suite 101, Poulsbo, WA, 98370
Lends in Washington
Liberty Bank is a forward-thinking, customer-centric community bank committed to providing the best banking service and customer satisfaction in the Puget Sound Region. We are locally minded, civically engaged, and have an abiding appreciation for the communities we serve. Our outstanding employees work with diligence
First Fed is a local community bank on an exciting growth trajectory with 15 locations in 5 counties across Washington. We are committed to investing in our amazing team and technologies which enable better service of our customers and communities. In 2021, First Fed received recognition for best workplace
Connection Credit Union (CCU) was founded in 1958 as the City of Bremerton Employees Credit Union. There were 32 original members, who invested $5 each, so the original assets totaled $160. We expanded by adding City of Port Orchard employees, Kitsap County employees and merged Kitcom credit union into our membership base.
Westar Funding Inc. is a leading private money lender. We produce fast, reasonable, secure real estate loans that enable you to close quickly on residential & commercial investment properties. Westar offers financing that avoids the time-consuming process and onerous requirements of conventional lenders.
Private Capital Northwest is primarily a private money lender. Other names normally associated and used synonymously with private money lending include hard money, soft money, non-conforming, alternative, and asset- or equity-based lending Our loans are based on the asset, meaning the real property secures the loan.
The mission of Mortgage Lending Group is to be a leader in the residential mortgage industry by providing clients with trustworthy service to achieve their financing goals; efficiently guiding the process to achieve an expedient and successful closing rate; and creating a lending environment that is readily accessible to all borrowers
"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."
