USDA Vs. FHA Pro and Con comparison in Vashon, King County, WA

In 2025, the USDA loan limit in Vashon, located in King county, WA, is set to $713,000. For a single-family home, the FHA limit stands at $977,500.

Leverage the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates. Determine the necessary income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side-by-side, assisting you in selecting the best fit for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Vashon, County of King, WA

Loan Type Loan Limit Down Payment
USDA $713,000 0%
FHA $977,500 3.5%
Conventional Conforming $977,500 3%

USDA and FHA Loan Opportunities in Vashon, WA

The priority of Lendersa® is to deliver the most suitable USDA or FHA loan without delay or complexity. Choose from three starting paths that will guide you to aligned lenders and USDA loan offerings.

Lendersa USDA loan request and results

Introduction to USDA Loans in WA

A USDA home loan, backed by the government’s Department of Agriculture, also called a USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages need no down payment at all.

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



  • Empire Financial Services, LLC
  • 14900 Interurban Ave. S. Ste. 271, Seattle, WA, 98138
  • Empire Financial Services is a national financial loan consultant with over 29 years of industry expertise. In a time when roughly 80% of large bank applications are declined, we have several advantages on our side. We pride ourselves on our unique blend of experience and exceptional service delivered to every one of our clients, regardless
  • Salal Credit Union - Tukwila
  • PO Box 75029, Seattle, WA, 98175
  • At Salal, we believe small actions can lead to great impact. We were founded in 1948 by a group of nine healthcare workers who pooled together $45 to start a credit union. Today we have 50, 000+ members in 18 states. Staying true to our roots, we’ve never stopped finding innovative ways to serve underserved communities and promote a healthier
  • DSC Capital, LLC
  • 1809 7th Avenue, Suite 1200, Seattle, WA, 98101
  • DSC Capital is a commercial real estate mortgage banking company led by a team of principals with in-depth institutional knowledge of the real estate financing market coupled with exclusive relationships with capital providers. We work with real estate investors and developers to offer customized financing solutions.
  • WaFd Bank
  • 425 Pike Street, Seattle, WA, 98101
  • WaFd Bank is a national bank, but we’ve tried to act more like a reliable next door neighbor. Ever since we got our start back in 1917, we’ve been helping to build healthy, thriving communities. And, as active members of our communities, we’re truly invested in clients like you—delivering simple, straightforward banking solutions.
  • Northwest Commercial Mortgage
  • 1500 Fourth Ave, Suite 600, Seattle, WA, 98101
  • Gary W. Beem founded Northwest Commercial Mortgage Company in 1989 with Dave Pontius after working at George Elkins Company. Gary’s major production responsibilities at each of these institutions included commercial loan placement with correspondent life insurance companies and construction lending through the banks.
  • Jay Crowell Loan Officer - Cornerstone Home Lending
  • 600 University Street, Suite 2828, Seattle, WA, 98101
  • At Cornerstone Home Lending, Inc., you will find a cohesive team of caring, seasoned professionals who are passionately dedicated to making your home-financing transaction a remarkable experience. Established in 1988, Cornerstone is a refreshingly unique national home lender with thousands of highly-satisfied clients.
  • Lendinco LLC
  • 600 University Street, Suite 2401, Seattle, WA, 98101
  • At LENDINCO, we offer many different loan programs for first-time buyers, investors, and every type of buyer in between. Listed below are just some of the loan programs that we offer. If you would like to speak to an experienced loan originator, fill out our Contact Form or give us a call.
  • Arboretum Mortgage
  • 601 Union St, Suite 2727, Seattle, WA, 98101
  • Arboretum Mortgage has grown its business through hard work, careful planning, and by cultivating lasting relationships with our clients built on honest and ethical lending practices. During that time we have funded residential home loans for thousands of individuals and families throughout the Pacific Northwest in excess of 4 billion dollars.
  • Flyhomes Mortgage
  • 1201 Western Ave, Suite 100, Seattle, WA, 98101
  • "Our mission is to build the world’s best homebuying experience. Buying a home doesn’t have to feel complicated. Our simplified approach helps you search, buy, and move in—all without having to stumble through the traditional process. To make everything easier, we brought our local experts together,"
  • Penrith Home Loans LLC
  • 601 Union Street, Suite 2217, Seattle, WA, 98101
  • Penrith Home Loans is a full-service mortgage bank providing homebuyers with complete home-financing solutions.Our team offers extensive expertise and a proven history of outstanding customer service. We have a reputation of consistent, reliable performance and look forward to building relationships with our customers upon that foundation.
  • Broadmark Real Estate Management
  • 1420 Fifth Avenue Suite 2000, Seattle, WA, 98101
  • Broadmark Realty Capital Inc. (NYSE: BRMK) offers short-term, first deed of trust loans secured by real estate to fund the acquisition, renovation, rehabilitation or development of residential or commercial properties. Broadmark Realty Capital manages and services its loan portfolio across a variety of market conditions and economic cycles.