Consumer Real Estate Finance Co. wants to help you realize your dream of home ownership. For help applying for a Tennessee USDA Loan, contact us today If you are thinking about a home in Washington, you may want to consider the USDA Rural Development Loan program. Backed by the U.S. government, these no money down, fixed interest loans come with 100% financing – meaning no out of pocket expenses at closing. Other benefits of a Rural Development Loan include:

  • No Maximum Loan Amount on Washington Property
  • Flexible Credit Guidelines for Qualifying Washington Residents
  • Low Fixed Interest Rates
  • Both New and Existing Properties May Qualify

Washington Areas that Qualify for Rural Development Loans

When applying for a USDA Rural Development Loan, eligibility is based on both the property and the lender. The property must be located outside of city limits and within a community of less than 20,000 people.

It is important to note that Rural Development Loans are not intended solely for farmland. In fact, some Washington areas that lie just outside of major metropolitan areas qualify. To learn if your property is USDA Loan eligible, fill out the form on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Washington’s USDA Loan Income Limits by County

Even though applying for a Washington USDA Loan with Consumer Real Estate Finance Co. is quick, easy, and secure, there are a few other eligibility restrictions you need to be aware of

These include an evaluation of credit history and annual income limits. Also, take note that there is a maximum income limit. This means your income cannot exceed the maximum amount set for your county. These USDA Rural Development Loan income limits include:

Washington USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

STATE:WASHINGTON PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Bellingham WA MSA VERY LOW INCOME 24450 27950 31450 34900 37700 40500 43300 46100
LOW INCOME 39100 44700 50250 55850 60300 64800 69250 73700
MOD.INC-GUAR.LOAN 80300 80300 80300 80300 106000 106000 106000 106000
Bremerton-Silverdale WA VERY LOW INCOME 26500 30250 34050 37800 40850 43850 46900 49900
LOW INCOME 42350 48400 54450 60500 65350 70200 75000 79850
MOD.INC-GUAR.LOAN 86950 86950 86950 86950 114750 114750 114750 114750
Kennewick-Pasco-Richland WA MSA VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 78000 78000 78000 78000 102950 102950 102950 102950
Lewiston ID-WA MSA VERY LOW INCOME 20200 23100 26000 28850 31200 33500 35800 38100
LOW INCOME 32300 36900 41550 46150 49850 53550 57250 60900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Longview WA MSA VERY LOW INCOME 20700 23650 26600 29550 31950 34300 36650 39050
LOW INCOME 33100 37850 42550 47300 51100 54850 58650 62450
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Mount Vernon-Anacortes WA MSA VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 78000 78000 78000 78000 102950 102950 102950 102950
Olympia WA MSA VERY LOW INCOME 27100 30950 34800 38650 41750 44850 47950 51050
LOW INCOME 43300 49500 55650 61850 66800 71750 76700 81650
MOD.INC-GUAR.LOAN 88900 88900 88900 88900 117350 117350 117350 117350
Portland-Vancouver-Hillsboro OR-WA MSA VERY LOW INCOME 25550 29200 32850 36500 39450 42350 45300 48200
LOW INCOME 40900 46700 52550 58400 63050 67750 72400 77100
MOD.INC-GUAR.LOAN 83950 83950 83950 83950 110800 110800 110800 110800
Tacoma WA HUD Metro FMR Area VERY LOW INCOME 25100 28700 32300 35850 38750 41600 44500 47350
LOW INCOME 40150 45900 51600 57350 61950 66550 71100 75700
MOD.INC-GUAR.LOAN 82450 82450 82450 82450 108850 108850 108850 108850
Spokane WA MSA VERY LOW INCOME 22200 25400 28550 31700 34250 36800 39350 41850
LOW INCOME 35500 40550 45650 50700 54750 58800 62850 66900
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Wenatchee-East Wenatchee WA MSA VERY LOW INCOME 20550 23500 26450 29350 31700 34050 36400 38750
LOW INCOME 32850 37550 42250 46950 50700 54450 58200 61950
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Yakima WA MSA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Adams County WA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Clallam County WA VERY LOW INCOME 20850 23800 26800 29750 32150 34550 36900 39300
LOW INCOME 33300 38100 42850 47600 51400 55200 59000 62850
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Columbia County WA VERY LOW INCOME 20600 23550 26500 29400 31800 34150 36500 38850
LOW INCOME 32950 37650 42350 47050 50800 54600 58350 62100
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Ferry County WA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Garfield County WA VERY LOW INCOME 21800 24900 28000 31100 33600 36100 38600 41100
LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65650
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Grant County WA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Grays Harbor CountyWA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Island County WA VERY LOW INCOME 27250 31150 35050 38950 42050 45200 48300 51400
LOW INCOME 43600 49850 56050 62300 67300 72250 77250 82250
MOD.INC-GUAR.LOAN 89550 89550 89550 89550 118200 118200 118200 118200
Jefferson County WA VERY LOW INCOME 22300 25500 28700 31850 34400 36950 39500 42050
LOW INCOME 35650 40750 45850 50950 55050 59100 63200 67250
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Kittitas County WA VERY LOW INCOME 23000 26250 29550 32800 35450 38050 40700 43300
LOW INCOME 36750 42000 47250 52500 56700 60900 65100 69300
MOD.INC-GUAR.LOAN 75450 75450 75450 75450 99600 99600 99600 99600
Klickitat County WA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Lewis County WA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Lincoln County WA VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Mason County WA VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Okanogan County WA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Pacific County WA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Pend Oreille CountyWA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
San Juan County WA VERY LOW INCOME 23800 27200 30600 33950 36700 39400 42100 44850
LOW INCOME 38000 43450 48850 54300 58650 63000 67350 71700
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Stevens County WA VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Wahkiakum County WA VERY LOW INCOME 21900 25000 28150 31250 33750 36250 38750 41250
LOW INCOME 35000 40000 45000 50000 54000 58000 62000 66000
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Walla Walla County WA MOD.INC-GUAR.LOAN 21100 24100 27100 30100 32550 34950 37350 39750
LOW INCOME 33700 38500 43350 48150 52000 55850 59700 63550
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Whitman County WA VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850

As a resident of the great state of Washington, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at Consumer Real Estate Finance Co. are here to help. Contact us today for assistance!