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Before you read this page, I am going to encourage you to spend four important minutes and watch the short video below.

I explain in detail, some of the most important facts that you MUST know about qualifying for the Washington State USDA Home Loan.

The information that you are about to learn will save you time, money and stress as you begin your journey to buying a home in the Pacific Northwest with the USDA Zero Down Home Loan. Enjoy!


The Top 2 Qualifying Requirements for a USDA Home Loan

The Washington State USDA Home Loan is a great option for Puget Sound homebuyers, but not everyone may qualify for this program.  There are 2 major criteria that prospective USDA homebuyers need to research prior to moving forward with USDA financing –

(1) The home must be located in a USDA Eligible Region

(click on the button below to download a map or type in a specific property address to determine USDA eligibility)



(2) Borrower Must Be Under the Annual Household Income Caps

(this can be tricky, see the charts below or contact me for more information)

Lake Stevens (Snohomish/King County)
1-4 Person Household – $92,600/year
5+ Person Household – $122,250/year

Mt. Vernon/Burlington/Anacortes (Skagit County)
1-4 Person Household – $74,750/year
5+ Person Household – $98,650/year

Oak Harbor/Langley/Coupeville/Camano (Island County)
1-4 Person Household – $89,550/year
5+ Person Household – $118,200/year


Other Qualifying Criteria

Another qualifying factor that USDA takes seriously is credit score. The minimum credit score required for a Washington USDA Home Loan is 640. Case by case exceptions can be made when scores are below 640, but such exceptions are costly in regards to a higher cost interest rate, and in most cases, I can remedy the situation by helping you improve your credit in less than 60 days. You can see how I help people fix their credit by clicking here.

Another important question that is often asked, “Do I qualify for a USDA Home Loan after a bankruptcy, short sale or foreclosure?”  I answer that question in a 2011 Fox Business News interview.  Click here to read the guidelines.

USDA Property Specific Requirements

In order for the home to qualify for USDA financing, you learned above that it must be located in a USDA eligible region.  Once you find a home that meets that criteria, it must now meet the functional standards of USDA.

Over the past few years, after talking with multiple USDA underwriters, USDA appraisers and funding over 100 USDA Home Loans, I’ve put together a USDA Property Eligibility Cheat Sheet to help save you time, money and stress.  You can download it by clicking on the link below.

IMPORTANT – This step is often overlooked by Realtors. USDA Eligible Properties MUST meet a certain condition criteria


Revisions To the USDA Monthly Mortgage Insurance Fees

On October 1, 2011, the U.S. Government in an attempt to remove the need for taxpayer support to fund the USDA Rural Development Program imposed a monthly mortgage insurance premium fee on all USDA Home Loans. It’s a fraction of what FHA and conventional loan programs charge, but nonetheless, it’s a cost that will impact first time homebuyers.

For example, on a $250,000 home purchase, borrowers will now pay an additional $64/month in USDA mortgage insurance. For more information, click here to read a short article that I wrote in September on the impact of the proposed changes to the USDA Home Loan Program.

Getting Approved For a USDA Home Loan

As you saw in the video, I make it really easy and detail the USDA pre-approval process. Click on the link below to see exactly what you need to do next in order to get pre-approved for a Washington State USDA Home Loan. As always, I LOVE serving my readers, so please do not hesitate to contact me directly at (425) 350-7136 if you may have any questions!


I always value the opportunity to serve my readers, so please do not hesitate to contact me directly at (425) 350-7136 for more information on getting approved for a Washington State USDA Home Loan.

Lastly – If you found this information valuable, please let me know by clicking the “Like” button down below to the left (it makes me feel good knowing my readers appreciate my work). Also, please feel free to leave a comment or question below!

Dan Keller [MLO#115349] (425) 350-7136

Dan Keller MLO# 115349

Call/Text: (425) 350-7136




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