USDA Single Family Housing Guaranteed Loan
USDA Single Family Housing Guaranteed Loan is a first mortgage - zero down payment from USDA Rural Development. Coverage: USDA-eligible rural areas of WA (most rural counties). Income limit: Up to the 115% moderate-income limit; FY2026 standard $122,800 for 1-4 persons, $162,100 for 5-8, higher in higher-cost counties (HB-1-3555 Appendix 5, PN 657, effective 07-13-2026).
Amount varies by program
Listed as open as of May 26, 2026
Coverage: USDA-eligible rural areas of WA (most rural counties).
| Income limit | Up to the 115% moderate-income limit; FY2026 standard $122,800 for 1-4 persons, $162,100 for 5-8, higher in higher-cost counties (HB-1-3555 Appendix 5, PN 657, effective 07-13-2026) |
|---|---|
| Minimum credit score | 640 |
| Sales price cap | No federal limit (qualifying ratios apply) |
| Amount notes | 100% LTV; no PMI (guarantee fee instead) |
| Notes | Pairs with WSHFC programs and DPA. Common in eastern WA counties. |
| Phone | 360-704-7740 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: USDA Rural Development · program details at the provider’s site.
See if USDA Single Family Housing Guaranteed Loan fits your purchase
Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.
More Washington programs
-
Silent 2nd 0% int, 30-yr deferred · Amount varies by program
-
Silent 2nd 0% deferred 30-yr · Amount varies by program
-
1% int 30-yr deferred · Up to $15,000
-
Silent 2nd · Up to $40,000
-
0% int 25-yr deferred · Up to $60,000
-
3% int 30-yr deferred 2nd · Up to $10,000
-
0.25% rate discount on first · Amount varies by program
-
First mortgage with optional DPA · Amount varies by program