USDA Vs. FHA Pro and Con comparison in Yakima, Yakima County, WA
In 2026, the USDA loan ceiling for Yakima, situated in Yakima County, WA, is $336,500. Comparatively, the FHA loan cap for a single-family home is set at $472,030.
Utilize Lendersa®’s USDA loan calculator to examine USDA and FHA rates. Discover requirements for income, credit, reserves, and necessary documents. The advanced calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in determining the best program for your financial needs in .
2026 Loan Caps and Down Payment Details in Yakima, Yakima County, WA
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Paths in Yakima, WA
The objective at Lendersa® is to swiftly connect you with the most fitting USDA or FHA loan, simplifying the entire process. Choose one of the three available avenues leading to aligned lenders and USDA loan options.
A USDA home loan, backed by the Department of Agriculture, known also as USDA rural development loan, is available solely in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, a USDA mortgage demands no down payment.
Yakima Federal Savings and Loan serves central and eastern Washington through about a dozen branches. The thrift provides checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Mortgages secured by one- to four-family residences make up more than 90% of Yakima Federal Savings' loan.
Solarity Credit Union’s digitally focused community-centric co-op currently serves more than 50, 000 members and offers a comprehensive range of products and services to meet ever-evolving financial needs. Membership is open to everyone who lives, works, worships, or attends school within a Washington State school district
PFC of Yakima is a local family-owned company specializing in asset and real estate secured lending. We have been originating, underwriting, and servicing loans in Central Washington since 1992. Michaela Stelzer is the Business Manager and handle accounting and administrative duties for the company.
CALCOE Federal Credit Union, we are committed to achieving the highest level of member service by offering financial products, services, and education designed to benefit our members while maintaining the safety, soundness and managed growth of our cooperative and also CALCOE has a rich history in helping members improve their quality of life.
AAI, founded in 2017, is a real estate and financial firm headquartered in Yakima, WA with a focus on secondary and tertiary markets. We specialize in assisting clients with:
commercial financing buying, selling, or leasing residential and commercial real estate buying or selling a business underwriting support for financial institutions
N.W. Mortgage, LLC, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
State Highway Credit Union ("SHCU") is a state-chartered and member-owned credit union, rooted in the heart of Central Washington State, since 1938. SHCU exists to help our members fulfill their dreams, to live a high quality of life today, and to be financially set for their futures.
HAPO, our primary focus is to offer products and services that provide value to our members through all life stages—banking solutions that are easy and convenient. We also strive to give back to the communities we serve through sponsorships, donations, and volunteerism. Community is our middle name after all
Cashmere Valley Bank was established September 24, 1932 by two brothers, Hy W. Rieke and H.H. Rieke, who moved to Cashmere after selling their interest in another bank in Odessa, Washington. Cashmere was chosen as the site to begin their new bank because the community was without a financial institution after the failure of two banks.
Since 1956, GRANCO Federal Credit Union has been providing friendly member service in Ephrata, Moses Lake and the surrounding area. The cooperative philosophy that started the credit union still rings true today. GRANCO will consider a member’s credit score, but will not deny any loan due to credit score alone.
