USDA Loans
Zero down payment in eligible rural areas
USDA loans offer 0% down financing for eligible properties in designated rural areas, including parts of greater Kitsap County. They're aimed at low- to moderate-income borrowers and can be one of the most affordable paths to homeownership.
Down Payment
0% down
Min Credit Score
640+ typical
Loan Term
30 years fixed
Mortgage Insurance
Upfront + annual guarantee fee
Loan Limit
Based on income + area
Program Highlights
- ◆True 0% down financing
- ◆Below-market interest rates
- ◆Lower guarantee fee than FHA MIP
- ◆Available in eligible parts of Kingston, Hansville, Seabeck, Belfair, and rural Mason County
Best For
- ◆Buyers in USDA-eligible Kitsap zones
- ◆Moderate-income first-time buyers
- ◆Households with limited down-payment savings
Qualification Requirements
- 01Property in USDA-eligible rural area
- 02Household income within USDA limits for area
- 03Primary residence only
- 04640+ FICO typical
Advantages
- +Zero down payment
- +Lower MI than FHA
- +Competitive rates
Trade-Offs
- –Property must be in eligible area
- –Income limits apply
- –Slower approvals due to USDA review
How the Process Works
- 01Confirm property and income eligibility
- 02Pre-approval
- 03USDA conditional commitment
- 04Close in 30–45 days
Frequently Asked
Is my property eligible for a USDA loan?+
Many areas around Kingston, Hansville, Seabeck, Belfair, and rural Mason and Jefferson counties qualify. We'll verify your specific address against the USDA eligibility map before you write an offer.
What are USDA income limits in Kitsap County?+
USDA limits vary by household size and area. For most of Kitsap County the 2026 limit for a 1–4-person household is around $129,400, and around $170,800 for 5–8 person households.
Ready to Get Started?
Apply online in minutes or talk through your scenario with our team.