USDA VS FHA in Rochester, Thurston County, WA

As of 2025, the USDA loan cap in Rochester, located in Thurston county, WA, is set at $381,800, whereas the FHA loan cap for a single-family house stands at $546,250.

Utilize the Lendersa® USDA loan calculator to evaluate today’s top USDA versus FHA rates, and assess the income, credit, reserves, and documentation needed to qualify. With our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side-by-side, helping you choose the optimal option for your financial requirements in Alabama.

Explore loan offers from 100 various lenders

Overview of 2025 loan limits and downpayment specifications in Rochester, Thurston county, WA

Loan Type Loan Limit Down Payment
USDA $381,800 0%
FHA $546,250 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Rochester, WA

Lendersa® is committed to swiftly securing you the best available USDA or FHA loan options with minimal hassle. Choose from three starting points which help in connecting you with lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in WA

A USDA home loan, endorsed by the government via the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is restricted to rural locales. In contrast to FHA loans, which demand a minimum down payment of 3.5%, USDA loans eliminate the need for any down payment.

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



  • Arrowhead Bank
  • 108 West Sandstone Street, Llano, TX, 78643
  • Arrowhead Bank originally opened its doors for business as the Moore State Bank. In 1963, A.W. Moursund, a life-long Hill Country resident, attorney and judge purchased controlling interest in the Llano bank. At the time, the bank had deposits totaling nearly $4, 000, 000 and approximately $660, 000 in capital, surplus, and undivided profits.
  • Llano National Bank
  • 1001 Ford Street, Llano, TX, 78643
  • Llano National Bank is a locally owned community bank with its main office located in Llano, Texas at 1001 Ford Street. We have two full-service branch bank offices: the Buchanan Dam branch, located at the intersection of State Highway 29 and RR 1431, Buchanan Dam, Texas and the Hill Country National Bank branch, located at 1210 S. Water Street.
  • West Central Bank
  • 400 East Buchanan Street, Ashland, IL, 62612
  • West Central Bank proudly continues its tradition as a Community Bank. Officers, board members, and staff are very active in local civic, economic development, fraternal and religious organizations; they are a vital part of the communities that we serve. West Central Bank operates branches in Ashland, Beardstown, Rushville, and Springfield.
  • Bank of Calhoun County Hardin
  • 204 Main Street, Hardin, IL, 62047
  • Bank of Calhoun County is located in Hardin, Illinois, and was founded in 1898. At this location, Bank of Calhoun County employs approximately 25 people. This business is working in the following industry: Finance other. Annual sales for Bank of Calhoun County are around USD 2, 237, 000.00.
  • The Bank of Old Monroe
  • 2100 Highway C, Old Monroe, MO, 63369
  • In 1906 a group of local farmers gathered to talk about a vision they had of opening a local community bank. In September of 1906, their dream became reality when they opened the doors for business to the Bank of Old Monroe. Today, the Bank of Old Monroe serves Lincoln, Pike, Warren and St. Charles counties with 5 locations in Old Monroe,
  • Waukesha State Bank
  • 151 E. St. Paul Avenue, Waukesha, WI, 53187
  • Waukesha State Bank is one of the largest locally owned and independent Banks in Wisconsin. Since our modest beginning in 1944, we have been serving the financial needs of the community with a personalized, one-on-one approach to Banking, and an emphasis on customer service and community involvement.
  • Alltru Credit Union
  • 1232 Wentzville Parkway, Wentzville, MO, 63385
  • Alltru Credit Union is a member-owned, not-for-profit financial cooperative dedicated to helping our members achieve their financial dreams. For over 50 years, Alltru has provided members with a full line of dependable financial products and services such as loans, investment, savings, credit and debit cards, online banking,
  • Bank of Washington
  • PO Box 377, Washington, MO, 63090
  • The Bank of Washington, headquartered in Washington, Missouri, is proud to be the oldest and largest independently owned bank in Franklin County. Since 1877, as a community bank we have focused on hometown friendliness, personal attention and treating every customer like family. The spirit of the Bank of Washington is deeply rooted.
  • Bank of Franklin County
  • 900 East Eighth Street, Washington, MO, 63090
  • At Bank of Franklin County, we’re committed to serving the needs of the residents and businesses of this community.As part of this commitment, Bank of Franklin County operates five convenient locations, a mortgage subsidiary, Franklin Mortgage Company, and an investment management subsidiary.