USDA Vs. FHA your options comparison in Renton, King County, WA

In 2026, the USDA loan limit for Renton in King County, WA, is $713,000. Meanwhile, the FHA limit for a single-family home is $977,500.

With Lendersa®'s USDA loan calculator, compare today's best USDA and FHA rates. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the right program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Renton, King County, WA

Loan Type Loan Limit Down Payment
USDA $713,000 0%
FHA $977,500 3.5%
Conventional Conforming $977,500 3%

USDA and FHA Loan Options in Renton, WA

Lendersa® aims to quickly offer the best USDA or FHA loan, minimizing hassle. Choose from three starting points that match lenders with suitable USDA loan programs.

  1. Submit a detailed request with USDA/FHA loan optimization
  2. Discover USDA and FHA rates & terms upfront
  3. Browse the largest database of USDA loan lenders
Lendersa USDA loan request results

Understanding USDA Loans in WA

A USDA home loan is a government-backed mortgage by the Department of Agriculture. Known as a USDA rural development loan, it is available only in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA mortgages require no down payment.

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