USDA Vs. FHA Pro and Con comparison in Seattle, King County, WA
In 2026, the USDA loan limit for Seattle, in King county, WA, is $713,000, whereas the FHA limit for a single-family home is $977,500.
Utilize the Lendersa® USDA loan calculator to compare today’s best USDA versus FHA rates and ascertain the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in choosing which program in aligns best with your financial situation.
2026 Loan Limits and Downpayment Requirements in Seattle, County of King, WA
Loan Type
Loan Limit
Down Payment
USDA
$713,000
0%
FHA
$977,500
3.5%
Conventional Conforming
$977,500
3%
Exploring USDA and FHA Loan Options in Seattle, WA
The aim of Lendersa® is to secure the best USDA or FHA loan quickly and without hassle. Begin with one of three pathways to connect with matching lenders and explore suitable USDA loan programs.
A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture and is offered solely in rural areas. Unlike FHA loans needing a 3.5% down payment, USDA loans require no down payment.
Home Savings & Loan Association of Carroll County is a federally chartered savings association that has been serving our community since 1919. We pride ourselves in offering friendly personalized service to our customers. We offer a variety of services including real estate loans, auto loans, certificates of deposit, IRA’s, checking accounts.
Meridian Credit Union is a not-for-profit, member-owned financial cooperative that exists to serve its members. Being a not-for-profit cooperative means we return a portion of earnings back to our members by offering competitive rates on deposits & loans. Meridian Credit Union provides a safe place to save & borrow money.
South Ottumwa Savings Bank has grown from a simple currency exchange to a full-service financial institution with acquired offices of Hedrick Savings Bank in 2011, West Liberty State Bank in 2015 and Peoples State Bank in 2020. A community bank, with decisions made locally by people who know the community and surrounding areas.
Community 1st Credit Union is a Not-For-Profit financial cooperative that has been serving members for over 85 years. From a humble beginning, we have grown to serve over 60, 000 members. As a Not-For-Profit financial institution, we give returns to our members in higher savings rates, better services, and lower borrowing rates.
A credit union exists to serve a specific group of people, referred to as a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group. Cooperative Credit Union was chartered to serve members in 1937. Cooperative Credit Union is owned and operated by its membership.
F&M Bank was established in 1925 in Manchester, Iowa. F&M Bank continues to be a locally owned and operated financial institution. In 1994, F&M Bank expanded into the Cedar Rapids metro market area and in 2004, established an office in Anamosa. In 2010, F&M became an interstate bank with the addition of the Vadnais Heights.
County Bank is an Iowa chartered bank first organized in 1884 in Sigourney, Iowa. Currently County Bank’s main office is on the southeast corner of the Square in Sigourney with locations in Deep River, Gibson, Hartwick, Montezuma and Williamsburg.
County Bank has a strong commitment to the communities we serve.
We are committed to provide high quality, high tech services and products in a friendly, community oriented atmosphere, catering to the financial needs of a diverse market. We are involved in the markets we serve through active participation in a variety of community organizations, both civic and charitable.
Fairfax State Savings Bank, we understand the little things that make this community so special: strong solid relationships, a sense of pride in local growth, welcoming hospitality and sincere friendliness. We are an independent, community bank that has provided trusted financial services for generations
