USDA Vs. FHA your options comparison in Town-and-Country, Spokane County, WA
As of 2025, the USDA loan cap in Town-and-Country, within Spokane county, WA, is $285,000. Conversely, the FHA limit for a single-family home is $356,362.
Employ the Lendersa® USDA loan calculator to examine today's best USDA versus FHA rates. This tool assists in figuring out the required income, credit, reserves, and documentation needed to qualify. Through our sophisticated mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, providing guidance on the optimal program for your financial situation in .
2025 Loan Limits and Down Payment Needs in Town-and-Country, Spokane, 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 Town-and-Country, WA
Lendersa® aims to quickly link you to the most suitable USDA or FHA loans without hassle. Start with one of three methods that match you with lenders and USDA programs.
The USDA home loan, supported by the Department of Agriculture and known as a USDA rural development loan or mortgage, is limited to rural areas. Unlike FHA loans, which need at least a 3.5% down payment, USDA loans require no down payment, making them attractive for eligible borrowers.
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