USDA VS FHA in Sudden-Valley, Whatcom County, WA

For the year 2025, the USDA loan limit in Sudden-Valley, situated in Whatcom county, WA, is $354,200, while the FHA limit for a single-family home is $442,750.

Take advantage of the Lendersa® USDA loan calculator to evaluate today's top USDA and FHA rates, identifying the necessary income, credit score, reserves, and required documents for eligibility. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side to determine the best program in for your specific financial needs.

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Loan Limits and Downpayment Requirements for 2025 in Sudden-Valley, Whatcom, WA

Loan Type Loan Limit Down Payment
USDA $354,200 0%
FHA $442,750 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Possibilities in Sudden-Valley, WA

The objective of Lendersa® is to secure you the most favorable USDA or FHA loan promptly and effortlessly. Choose from three potential starting points to connect with appropriate lenders and USDA loan options.

Lendersa USDA loan request and results

Understanding What a USDA Loan Is in WA

A USDA home loan is a type of financing guaranteed by the federal Department of Agriculture, known as a USDA rural development loan or USDA mortgage, available exclusively in rural communities. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans necessitate no down payment at all.

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



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  • NeighborWorks Orange County is a California 501(c)(3) non-profit organization that exists to serve the Orange County community, where the high cost of living presents significant challenges for low-to-moderate income families and individuals. Our mission is to strengthen communities and enhance the quality of life for working families by expanding.
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