USDA VS FHA in Sammamish, King County, WA

In 2025, the USDA loan limit for Sammamish in King County, WA, is $713,000, while the FHA limit for a single-family home is $977,500.

Utilize Lendersa®'s USDA loan calculator to compare the best rates of USDA vs. FHA today, and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator enables a side-by-side look at USDA, FHA, Conforming, and VA loans, aiding you in selecting the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Sammamish, 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 Sammamish, WA

Lendersa® aims to provide the best USDA or FHA loan quickly and with minimal hassle. Choose one of the three starting points to find matching lenders and USDA loan programs.

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What is a USDA Loan in WA?

A USDA home loan, or USDA rural development loan, is guaranteed by the Department of Agriculture and is available in rural neighborhoods only. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.

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



  • LoanZilla
  • 6620 Lake Washington Blvd NE, Suite 302, Kirkland, WA, 98033
  • In business since 2006 and armed with many decades of experience, we provide our clients expert guidance to secure the best mortgage, at the best terms, and with the right lender for your specific financial profile. We listen, ask the right questions to get a complete picture, and then show you what your best options are and why.
  • Home Trust Financial
  • 135 Lake Street South, Suite 230, Kirkland, WA, 98033
  • At Home Trust Financial (NMLS # 1761573), where we specialize in residential mortgages. At Home Trust Financial, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Washington Discount Mortgage LLC
  • 8213 131st Avenue Northeast, Kirkland, WA, 98033
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide our clients with amazing low rates and great loan programs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. We've been helping customers afford the home of their dreams for many years.
  • University Mortgage Funding Corp
  • 4315 Lake Washington Blvd, Suite 3004, Kirkland, WA, 98033
  • The University Mortgage Funding Corp. Team is committed to providing clients with the highest quality home loans combined with some of the most competitive mortgage rates available in all of Washington. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan.
  • Bellwether Lending Inc
  • 10415 113th Place NE, Kirkland, WA, 98033
  • BellWeather Lending inc is full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with great rates.
  • Washington First Mortgage Loan Corporation
  • 4055 Lake Washington Blvd, Suite 100, Kirkland, WA, 98033
  • Washington First Mortgage Loan Corp. is committed to providing helpful, honest, and accurate advice to assist borrowers in choosing a product that meets their financial needs. We offer our clients excellent customer service and a wide variety of competitive mortgage pricing options in Washington, California, Oregon, and Arizona.
  • Eastside Funding
  • 3927 Lake Washington Blvd NE, Kirkland, WA, 98033
  • Eastside Funding has closed over one billion dollars worth of loans in the past 12 years, becoming an industry leader in foreclosed property investment for one simple reason: we make borrowing simple, with no qualifying, appraisals, or inspections. With as little as zero down, we take over at auction to make the property investment.
  • Veristone Mortgage, LLC.
  • 6725 116th Ave NE Suite 210, Kirkland, WA, 98033
  • At Veristone, we are private money lenders and experienced mortgage professionals who desire to partner with you to make your real estate investments a success. Veristone Mortgage offers portfolio and traditional lending solutions for investment properties in Idaho, Oregon and Washington.
  • Halvorson Mortgage
  • 27605 SE Issaquah Fall City Rd, Fall City, WA, 98024
  • Ryan Halvorson have had the privilege of guiding his clients through the home loan process since 2002. Our team consists of a seasoned group of industry veterans who are willing and able to help you navigate the home loan process. All of his clients receive expert advice and care from my dedicated team.
  • Lakeshore Mortgage Services Inc
  • PO Box 2190, Kirkland, WA, 98083
  • Lakeshore Mortgage Services, Inc., has been providing cash for contracts, notes and trust deeds since 1979. You can sell all or various portions of your contract, giving you a lump sum of money now instead of waiting for periodic installments. We quote net prices to you which means that we pay all of the closing costs.
  • Soundview Lending Group, LLC
  • 10605 SE 240th St, Suite 544, Kent, WA, 98031
  • "Soundview Lending Group helps small and mid-size businesses obtain the capital needed for their business. We have built trusted relationships with alternative lenders who are ready to provide funding. Yes! You have options. Additionally, we offer consultation services to small and mid-size businesses."
  • BECU
  • 12770 Gateway Drive S, Tukwila, WA, 98168
  • As a member-owned, not-for-profit financial cooperative, BECU is guided by the credit union philosophy of “people helping people.” In fact, putting people over profit guides our everyday business decisions. Unlike many financial institutions, we aren’t owned privately. As a cooperative, we are owned by our members.