USDA VS FHA in Terrace-Heights, Yakima County, WA

In 2025, the USDA loan limit for Terrace-Heights in Yakima county, WA, is $285,000. Meanwhile, the FHA cap for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA. It helps you assess the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program in for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Terrace-Heights, Yakima, WA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Terrace-Heights, WA

Lendersa® aims to secure the best USDA or FHA loan for you quickly and without hassle. Choose from three pathways that connect you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in WA?

A USDA home loan is a government-backed loan offered through the Department of Agriculture, also known as a USDA rural development loan or mortgage. It's available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages require no down payment at all.

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



  • Rhonda Porter - Mortgage Master Service Corp.
  • 20425 72nd Avenue S, Suite 210, Kent, WA, 98032
  • Rhonda Porter is a Licensed Mortgage Originator MLO121324 living in the greater Seattle area. Rhonda began her career in 1986 in the title and escrow industry and joined Mortgage Master Service Corporation as a Loan Officer in 2000 and began blogging in 2006. Mortgage Master Service Corporation (NMLS ID#40445) is owned by the Porter family.
  • Kent Jewelry & Loan
  • 624 West Meeker St, Kent, WA, 98032
  • Affordable Goods Since the 1980's, Kent Jewelry & Loan has been serving Washington residents with used retail items at reasonable prices. As Kent's oldest pawn shop, our family-owned and operated business has never failed to supply a large variety of used firearms, jewelry, electronics, sporting goods
  • E-Lending Inc.
  • 4505 Somerset Lane, Kent, WA, 98032
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Kiel Mortgage
  • 20425 72nd Ave S, Suite 210, Kent, WA, 98032
  • Kiel Mortgage is a company that lives by core principles to help ensure that decisions are made with each business relationship that focuses on integrity, high ethical standards and a commitment to excellence. Our primary approach to business has been to treat each refinance or purchase as if it was a close family member.
  • MORTGAGE MASTER SERVICE CORPORATION
  • 20425 - 72nd Avenue South, Suite 210, Kent, WA, 98032
  • Mortgage Master is a nationally trademarked company, established in 1976 by members of the Porter family, veterans of the real estate industry since 1950. What began as a small family endeavor has flourished over the years into one of the leading lenders in the Pacific Northwest.
  • Orchid Mortgage LLC
  • 24844 North East 2nd Court, Sammamish, WA, 98074
  • We are a group of experienced and ethical Loan Officers that help individuals and small businesses with their mortgage financing needs. We believe in building and nurturing lasting relationships with our clients. Whether it is to finance a starter home, secure a jumbo loan or refinance an existing one.
  • DW Quality Mortgages, Inc
  • 241 E Lake Sammamish Shore Ln NE, Sammamish, WA, 98074
  • DW Quality Mortgages, Inc is committed to helping you find the quality mortgage product for your needs. We understand that every borrower is different, and we offer a broad variety of products to meet your individual requirements. We make the process of securing a mortgage straightforward
  • First Financial Northwest Bank
  • 201 Wells Avenue South, Renton, WA, 98057
  • Since 1923, we have built our reputation as a provider of financial solutions, a concierge of professional connections, and a partner in community service. First Financial Northwest Bank - providing personalized service that drives us to deliver Unique, Innovative financial solutions across 15 branches in King, Snohomish and Pierce County.
  • Alpine Real Estate, LLC
  • 505 S 3rd Street, Unit B, Renton, WA, 98057
  • Bradley Haines work with Alpine Real Estate & Cascade Premier Mortgage as a Relocation Specialist.His experience as a real estate agent, mortgage broker & credit repair consultant allows me the opportunity to provide clients superior service, value & convenience.Bradley help his clients prepare to sell their home, get pre-qualified to buy a new hom
  • Access Business Finance
  • 14205 S.E. 36th Street, Suite 350, Bellevue, WA, 98006
  • Access Business Finance is a U.S. asset-based lender that provides working capital for businesses unable to qualify for traditional bank financing. Our creative asset-based loans, commercial lines of credit, real estate loans and factoring rebuild your business’s financial strength.
  • Homeseed
  • 3633 136th Place SE, Suite 210, Bellevue, WA, 98006
  • Based out of Bellevue (WA), Homeseed was launched in June of 2016 with the goal of creating a mortgage company that would provide clients and partners with a simplified and empowering home lending experience. This early vision attracted some of the best mortgage professionals in the Seattle Market to the Homeseed Lending Team.
  • Megastar Financial Corporation
  • 14205 SE 36th Street, Suite 100, Bellevue, WA, 98006
  • Megastar Financial Corporation is a privately held mortgage banking firm. Our loans are processed, funded and underwritten in house, we are a national approved FHA lender. We pride ourselves on having the best reputation in the industry when it comes to closing loans on time every time. With integrity and accountability our loan officers