If you're open to living just outside the city, there's a loan with zero down and cheaper mortgage insurance than FHA. Send Connor an address and he'll tell you in seconds if it qualifies.
Get My Free Game PlanFigures are typical 2026 guidelines and vary by borrower, property, and lender overlays; all loans subject to credit approval.
USDA has both a property location requirement and a household income limit. Many commutable areas around SW Washington qualify, parts of Ridgefield, Battle Ground, La Center, and the surrounding countryside. There's no official minimum credit score, but 640 enables streamlined GUS approval (below that means manual underwriting). Note that the income of all adults in the household counts toward the cap, not just the borrowers.
Eligibility maps get redrawn over time, so an address that qualifies today may not later. Connor checks any specific address and your income against current USDA maps and limits before you make an offer, and can pair USDA with down payment assistance for a near-zero-out-of-pocket purchase.
Yes. For eligible buyers and properties, USDA allows 100% financing with $0 down, plus the lowest government mortgage insurance.
USDA maintains property eligibility maps. Send Connor any address and he'll confirm eligibility, usually within a minute.
There's no official minimum, but a 640 score enables streamlined automated (GUS) approval. Lower scores may still qualify through manual underwriting.
Household income must generally be at or below 115% of the area median, counting all adults in the home. Connor will confirm the current limit for your area and family size.
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