For 2025, the USDA loan ceiling in Spokane-Valley, located in Spokane County, WA, stands at $285,000; whereas the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates and determine the necessary income, credit, reserves, and documents needed to qualify. Our sophisticated mortgage calculator allows you to assess USDA, FHA, Conforming, and VA loans side by side, helping you determine the best program for your financial situation in .
2025 Loan Limits and Downpayment Requirements in Spokane-Valley, Spokane County, WA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Spokane-Valley, WA
Lendersa® is dedicated to securing the best USDA or FHA loan quickly, without hassle. You can select from three strategies that lead to lender matches and available USDA loan programs.
A USDA home loan, officially backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is only offered in rural areas. FHA loans require at least a 3.5% down payment, whereas the USDA mortgage requires none.
The A & S Federal Credit Union was established in March of 1940 by a handful of individuals who foresaw the need for a financial institution to serve people of ordinary means. The credit union, formerly know as the A & S RR Employees Federal Credit Union, was formed with money deposited by people who worked on the Aliquippa & Southern Railroad.
5500 Veterans Memorial Boulevard, Suite 100, Metairie, LA, 70003
Xplore Federal Credit Union is a full-service financial institution serving the communities of Orleans and Jefferson parishes. With over 70 years of banking experience and services to fulfill all needs, Xplore is the ideal partner for financial success.
Federally chartered in 1947.
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CNB Financial Corporation is a leader in providing integrated financial solutions, which create value for both consumers and businesses. These solutions encompass deposit accounts, private banking, real estate, commercial, industrial, residential and consumer loans and lines of credit
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Our customers save money and close their loans quickly because we employ the most advanced digital technology available."
Mutual is your hometown servicer of mortgage loans. You can rest assured, when you choose Mutual, you’re not only choosing a safe and secure option for your loans, but also a local bank with local underwriting. We have been financing homes here for 130 years. We not only know the neighborhoods, we live in them.
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