USDA and FHA Pro and Con in Richland, Benton County, WA

In 2025, the USDA loan limit for Richland in Benton County, WA, is $336,500, while the FHA limit for a single-family home is $472,030.

Use Lendersa®'s USDA loan calculator to compare the best rates between USDA and FHA offered today, determining the necessary income, credit score, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Richland, Benton County, WA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Richland, WA

Lendersa® is focused on delivering the best USDA or FHA loan to you as quickly as possible, with minimal hassle. Choose one of three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in WA?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan offered by the Department of Agriculture, available in rural areas only. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • The Mortgage Group
  • 4405 Riverside Drive, Suite 101, Burbank, CA, 91505
  • The Mortgage Group is a family run business since 1995. After working for and managing other mortgage companies for many years, Gary Hatch started his own company, The Mortgage Group, in 1995. In early 2000, his daughter, Christine, joined the company. In 2006, the responsibility of running the company was transferred to Christine.
  • SDC Capital
  • 4001 Burbank Blvd., Burbank, CA, 91505
  • SDC Capital has over 35 years of bridge lending and real estate development experience.
  • Aztec Financial
  • 2624 W. Magnolia Blvd., Burbank, CA, 91505
  • Aztec Financial was established in 1987 with the mission of creating extraordinary mortgage solutions for the people of California. We are a direct lender specializing in fix and flip loans, hard money/private equity, construction loans, and creative lending solutions. We pride ourselves on funding very quickly with no red tape.
  • SDC Capital Funding
  • 4001 Burbank Blvd., Burbank, CA, 91505
  • SDC Capital has over 35 years of bridge lending and real estate development experience. Given our real estate development experience, we are uniquely positioned to not only provide capital but to also be a valuable resource for our borrowers. We understand the challenges real estate investors face and have the flexibility to structure our loan.
  • Get Assured Inc
  • 150 E. Olive Avenue, Burbank, CA, 91502
  • Get Assured Inc. is to guide you through the entire process of buying and selling, to make sure you understand every step of the transaction. We are absolutely committed to fulfilling your needs with the highest level of professionalism, expertise and service. Our commitment to your satisfaction is the foundation from which a solid business.
  • Pacific Financial Mortgage Group, Inc.
  • 113 W Linden Court, Burbank, CA, 91502
  • Pacific Financial Mortgage Group, Inc. was founded in 1982 in Los Angeles, California. We are a nationwide direct lender serving customers in 31 states and ranked among the nation’s top lenders. Our success comes from blending the lowest possible rates and fees with great customer service.
  • Capital City Industries, Inc.
  • 353 E Angeleno Ave, Suite A, Burbank, CA, 91502
  • "Strategic Estates Group is derived of agents who have proudly represented real estate excellence and professionalism in all of Southern California. Our newly gathered team, based out of Burbank in los Angeles County, is the first of many offices to be created of its kind. Our team structuring and strategic methods will have the home buying"
  • Affiliated Funding
  • 211 W Palms Ave, Burbank, CA, 91502
  • Affiliated Funding utilizes a proprietary real property financing collaboration system. Some components & functionality of this platform are protected by U.S. Patent 7, 769, 681 U.S. Patent 8, 117, 120, and U.S. Patent 8, 145, 563. By implementing this platform, Affiliated Funding has not only been able to streamline the real estate transaction pro
  • The Loan Guys Corporation
  • 113 W Linden Court, Burbank, CA, 91502
  • The Loan Guys is a mortgage company dedicated to providing people the benefit of getting the property of your dreams and save money on your mortgage. We will help you explore the best terms and conditions for your mortgage loan, supporting and advising you on your way. At The Loan Guys, you will simply learn about what it takes to get a mortgage.
  • Metric Mortgage Corp
  • 303 North Glenoaks Boulevard, Suite 200, Burbank, CA, 91502
  • Metric Mortgage Corp is licensed by the California Bureau of Real Estate and Metric Mortgage is focused on helping the customer with their home finance needs. We employ in house processing to make sure your transaction closes on time, and maintain strict protocols for customer information security. The customer is our #1 Priority.