USDA LOAN BENEFITS IN WASHINGTON
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
WASHINGTON STATE USDA ELIGIBILITY
Eligibility for the USDA Loan is geared toward rural communities of 35,000 residents or less. Other guidelines include household income limits as well as making sure the home has a wood frame construction and is under 10 acres. To be eligible for a Rural Development Loan you will need to make sure that you stay within the USDA Loan income limits in your county. Below is a list of each county’s limits based off of your household size.
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Adams | $79,650 | $105,150 |
| Asotin | $78,200 | $103,200 |
| Benton | $80,850 | $106,700 |
| Chelan | $79,650 | $105,150 |
| Clallam | $79,650 | $105,150 |
| Clark | $85,900 | $113,400 |
| Columbia | $79,650 | $105,150 |
| Cowlitz | $79,650 | $105,150 |
| Douglas | $79,650 | $105,150 |
| Ferry | $79,650 | $105,150 |
| Franklin | $80,850 | $106,700 |
| Garfield | $79,650 | $105,150 |
| Grant | $79,650 | $105,150 |
| Grays Harbor | $79,650 | $105,150 |
| Island | $89,550 | $118,200 |
| Jefferson | $79,650 | $105,150 |
| King | $103,500 | $124,850 |
| Kitsap | $89,850 | $118,600 |
| Kittitas | $79,650 | $105,150 |
| Klickitat | $79,650 | $105,150 |
| Lewis | $79,650 | $105,150 |
| Lincoln | $79,650 | $105,150 |
| Mason | $79,650 | $105,150 |
| Okanogan | $79,650 | $105,150 |
| Pacific | $79,650 | $105,150 |
| Pend Oreille | $79,650 | $105,150 |
| Pierce | $85,700 | $113,100 |
| San Juan | $79,650 | $105,150 |
| Skagit | $79,650 | $105,150 |
| Skamania | $85,900 | $113,400 |
| Snohomish | $103,500 | $136,600 |
| Spokane | $79,650 | $105,150 |
| Stevens | $79,650 | $105,150 |
| Thurston | $88,900 | $117,350 |
| Wahkiakum | $79,650 | $105,150 |
| Walla Walla | $79,650 | $105,150 |
| Whatcom | $80,350 | $106,050 |
| Whitman | $79,650 | $105,150 |
| Yakima | $79,650 | $105,150 |
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