What are FHA Loan Limits in Washington?

FHA loans are a low down payment mortgage program and Washington FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Washington are set at the floor amount of $275,665 across much of the state.

Washington FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSOTHELLO, WA$275,665$352,950$426,625$530,150
ASOTINLEWISTON, ID-WA$275,665$352,950$426,625$530,150
BENTONKENNEWICK-RICHLAND, WA$275,665$352,950$426,625$530,150
CHELANWENATCHEE, WA$342,700$438,700$530,300$659,050
CLALLAMPORT ANGELES, WA$384,100$491,700$594,350$738,650
CLARKPORTLAND-VANCOUVER-HILLSBORO, OR-WA$408,250$522,600$631,750$785,100
COLUMBIAWALLA WALLA, WA$275,665$352,950$426,625$530,150
COWLITZLONGVIEW, WA$275,665$352,950$426,625$530,150
DOUGLASWENATCHEE, WA$342,700$438,700$530,300$659,050
FERRYNON-METRO$275,665$352,950$426,625$530,150
FRANKLINKENNEWICK-RICHLAND, WA$275,665$352,950$426,625$530,150
GARFIELDNON-METRO$275,665$352,950$426,625$530,150
GRANTMOSES LAKE, WA$275,665$352,950$426,625$530,150
GRAYS HARBORABERDEEN, WA$275,665$352,950$426,625$530,150
ISLANDOAK HARBOR, WA$327,750$419,550$507,150$630,300
JEFFERSONNON-METRO$322,000$412,200$498,250$619,250
KINGSEATTLE-TACOMA-BELLEVUE, WA$592,250$758,200$916,450$1,138,950
KITSAPBREMERTON-SILVERDALE, WA$310,500$397,500$480,450$597,100
KITTITASELLENSBURG, WA$275,665$352,950$426,625$530,150
KLICKITATNON-METRO$275,665$352,950$426,625$530,150
LEWISCENTRALIA, WA$275,665$352,950$426,625$530,150
LINCOLNNON-METRO$275,665$352,950$426,625$530,150
MASONSHELTON, WA$275,665$352,950$426,625$530,150
OKANOGANNON-METRO$275,665$352,950$426,625$530,150
PACIFICNON-METRO$275,665$352,950$426,625$530,150
PEND OREILLESPOKANE-SPOKANE VALLEY, WA$275,665$352,950$426,625$530,150
PIERCESEATTLE-TACOMA-BELLEVUE, WA$592,250$758,200$916,450$1,138,950
SAN JUANNON-METRO$483,000$618,300$747,400$928,850
SKAGITMOUNT VERNON-ANACORTES, WA$315,100$403,350$487,600$605,950
SKAMANIAPORTLAND-VANCOUVER-HILLSBORO, OR-WA$408,250$522,600$631,750$785,100
SNOHOMISHSEATTLE-TACOMA-BELLEVUE, WA$592,250$758,200$916,450$1,138,950
SPOKANESPOKANE-SPOKANE VALLEY, WA$275,665$352,950$426,625$530,150
STEVENSSPOKANE-SPOKANE VALLEY, WA$275,665$352,950$426,625$530,150
THURSTONOLYMPIA-TUMWATER, WA$297,850$381,300$460,900$572,800
WAHKIAKUMNON-METRO$275,665$352,950$426,625$530,150
WALLA WALLAWALLA WALLA, WA$275,665$352,950$426,625$530,150
WHATCOMBELLINGHAM, WA$320,850$410,750$496,500$617,000
WHITMANPULLMAN, WA$275,665$352,950$426,625$530,150
YAKIMAYAKIMA, WA$275,665$352,950$426,625$530,150

Washington FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Washington FHA Limits Set?

Washington FHA Loan LimitsMortgage limits for Washington FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Washington FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Washington is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in Washington is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Washington FHA loan limits are set above the nationwide floor amount in Seattle, Tacoma, Everett, Bellevue and Port Angeles. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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