Washington State USDA Loans 2025
Zero-down USDA Rural Development loans for eligible Washington State properties — eligible areas, income limits, and how to apply.
USDA Loans in Washington State
Washington State has enormous stretches of USDA-eligible geography. Eastern Washington’s agricultural communities, small towns, and rural counties have extensive USDA-eligible areas, as do many rural communities in Western Washington’s Olympic Peninsula, Cascade foothills, and coastal counties.
Washington USDA Eligible Areas
Generally eligible areas include most of Eastern Washington (Okanogan, Ferry, Stevens, Pend Oreille, Lincoln, Adams, Garfield, Columbia, Asotin counties), rural Yakima Valley communities, the Olympic Peninsula (Clallam and Jefferson counties), Grays Harbor, Pacific, Mason, Lewis, and rural Skagit County. Seattle metro, Spokane city, Vancouver, and Tacoma urban cores are generally NOT eligible.
Check your property address: USDA Property Eligibility Map
Washington State USDA Income Limits (FY2025)
USDA income limits apply to total household income — all adults living in the home. Confirm total household income before applying: USDA Income Limits by County (PDF)
| County | 1–4 Person Household | 5–8 Person Household |
|---|---|---|
| Adams | $112,450 | $148,450 |
| Asotin | $112,450 | $148,450 |
| Chelan | $112,450 | $148,450 |
| Clallam | $112,450 | $148,450 |
| Columbia | $112,450 | $148,450 |
| Ferry | $112,450 | $148,450 |
| Franklin | $112,450 | $148,450 |
| Garfield | $112,450 | $148,450 |
| Grant | $112,450 | $148,450 |
| Grays Harbor | $112,450 | $148,450 |
| Jefferson | $112,450 | $148,450 |
| Lewis | $112,450 | $148,450 |
| Lincoln | $112,450 | $148,450 |
| Mason | $112,450 | $148,450 |
| Okanogan | $112,450 | $148,450 |
| Pacific | $112,450 | $148,450 |
| Pend Oreille | $112,450 | $148,450 |
| Stevens | $112,450 | $148,450 |
| Wahkiakum | $112,450 | $148,450 |
| Walla Walla | $112,450 | $148,450 |
| Whitman | $112,450 | $148,450 |
| Yakima | $112,450 | $148,450 |
Income limits shown are FY2025 estimates. Verify current limits at the USDA link above before applying.
USDA Loan Requirements in Washington
Most USDA-approved lenders require a minimum credit score of 640. USDA targets a front-end DTI of 29% and back-end DTI of 41%. Total household income — all adults — must not exceed the county limit. The home must be your primary residence in a USDA-eligible area. USDA loans carry a 1.0% upfront guarantee fee and a 0.35% annual fee — both significantly lower than FHA mortgage insurance.
Check Your Washington USDA Eligibility
NEXA Lending LLC works with USDA-eligible buyers throughout Eastern and rural Western Washington.
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