USDA Loans in Washington (2026): Requirements & Lenders

USDA loan snapshot for Washington

Item	Estimate
Minimum down payment	0%
Minimum credit score	Typically 640 for automated approval
Typical WA home value	$519,800
3.5% down on typical home	$18,193
20% down on typical home	$103,960
Avg. effective property tax	0.84%/yr (~$363/mo)
Income for typical home (31% rule)	$162,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Washington programs pair with USDA loans?

Home Advantage DPA: Deferred down payment assistance paired with a Home Advantage first mortgage.
Opportunity DPA: A 1% deferred loan for lower-income first-time buyers.

Details and current limits: Washington State Housing Finance Commission (WSHFC).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in Washington cities

Seattle Spokane Tacoma Vancouver Bellevue Kent Everett Spokane Valley Renton Federal Way Yakima Bellingham Kirkland Auburn Kennewick Pasco Redmond Marysville South Hill Sammamish Lakewood Richland Shoreline Lacey Olympia Burien Bothell Bremerton Edmonds Puyallup Lynnwood Lake Stevens Issaquah Parkland Longview Wenatchee Mount Vernon Graham University Place Spanaway Walla Walla Des Moines Pullman SeaTac Orchards Maple Valley Camas Tumwater Moses Lake Mill Creek East Mercer Island Bainbridge Island Oak Harbor Frederickson North Lynnwood Kenmore Eastmont Union Hill-Novelty Hill Cottage Lake Hazel Dell Bonney Lake Martha Lake Silver Firs Tukwila Five Corners Mountlake Terrace Mukilteo Battle Ground Silverdale Bothell West Covington Mill Creek Arlington Port Angeles Monroe Salmon Creek Ellensburg Centralia Fairwood Anacortes Bryn Mawr-Skyway Camano West Richland Aberdeen Washougal Port Orchard Sunnyside Lynden Lake Stickney Ferndale White Center Lakeland North Bothell East East Wenatchee Artondale Fort Lewis Elk Plain Snoqualmie Woodinville Lake Forest Park Newcastle Lakeland South Cheney Kelso Edgewood Enumclaw Sedro-Woolley Ridgefield Liberty Lake Lake Tapps East Renton Highlands Gig Harbor Minnehaha Prairie Ridge Poulsbo Birch Bay Grandview Fife Maltby Airway Heights Felida Sumner Mount Vista Shelton Yelm Lake Morton-Berrydale Fairwood Vashon Port Townsend Snohomish Alderwood Manor

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of Washington qualify; check a specific address on the USDA eligibility map.

Often yes. Washington State Housing Finance Commission (WSHFC) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.

USDA loans in Washington