As of 2025, the USDA loan limit in Spokane, county of Spokane, WA, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
With the Lendersa® USDA loan calculator, you can compare today’s top USDA vs. FHA rates and identify the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, helping you choose the most fitting program in based on your specific financial needs.
2025 Loan Limits and Down Payment Requirements in Spokane, County of Spokane, 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 Spokane, WA
Lendersa® is dedicated to swiftly securing the best USDA or FHA loan for you, ensuring a hassle-free process. Choose one of the three initial paths provided to link with suitable lenders and access USDA loan programs that meet your requirements.
A USDA home loan, commonly known as a USDA rural development loan or USDA mortgage, is backed by the government’s Department of Agriculture, and is intended for rural neighborhoods. Unlike FHA loans requiring a 3.5% down payment, USDA loans have no down payment requirement, making them an appealing option for those eligible in rural areas.
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