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$331,760$424,800$513,450$638,100
ASOTINLEWISTON, ID-WA$331,760$424,800$513,450$638,100
BENTONKENNEWICK-RICHLAND, WA$331,760$424,800$513,450$638,100
CHELANWENATCHEE, WA$345,000$441,650$533,850$663,450
CLALLAMPORT ANGELES, WA$384,100$491,700$594,350$738,650
CLARKPORTLAND-VANCOUVER-HILLSBORO, OR-WA$491,050$628,600$759,850$944,350
COLUMBIANON-METRO$331,760$424,800$513,450$638,100
COWLITZLONGVIEW, WA$331,760$424,800$513,450$638,100
DOUGLASWENATCHEE, WA$345,000$441,650$533,850$663,450
FERRYNON-METRO$331,760$424,800$513,450$638,100
FRANKLINKENNEWICK-RICHLAND, WA$331,760$424,800$513,450$638,100
GARFIELDNON-METRO$331,760$424,800$513,450$638,100
GRANTMOSES LAKE, WA$331,760$424,800$513,450$638,100
GRAYS HARBORABERDEEN, WA$331,760$424,800$513,450$638,100
ISLANDOAK HARBOR, WA$393,300$503,500$608,600$756,350
JEFFERSONNON-METRO$351,900$450,500$544,550$676,750
KINGSEATTLE-TACOMA-BELLEVUE, WA$741,750$949,600$1,147,800$1,426,450
KITSAPBREMERTON-SILVERDALE-PORT ORCHARD, WA$395,600$506,450$612,150$760,750
KITTITASELLENSBURG, WA$331,760$424,800$513,450$638,100
KLICKITATNON-METRO$331,760$424,800$513,450$638,100
LEWISCENTRALIA, WA$331,760$424,800$513,450$638,100
LINCOLNNON-METRO$331,760$424,800$513,450$638,100
MASONSHELTON, WA$331,760$424,800$513,450$638,100
OKANOGANNON-METRO$331,760$424,800$513,450$638,100
PACIFICNON-METRO$331,760$424,800$513,450$638,100
PEND OREILLENON-METRO$331,760$424,800$513,450$638,100
PIERCESEATTLE-TACOMA-BELLEVUE, WA$741,750$949,600$1,147,800$1,426,450
SAN JUANNON-METRO$497,950$637,450$770,550$957,600
SKAGITMOUNT VERNON-ANACORTES, WA$373,750$478,450$578,350$718,750
SKAMANIAPORTLAND-VANCOUVER-HILLSBORO, OR-WA$491,050$628,600$759,850$944,350
SNOHOMISHSEATTLE-TACOMA-BELLEVUE, WA$741,750$949,600$1,147,800$1,426,450
SPOKANESPOKANE-SPOKANE VALLEY, WA$331,760$424,800$513,450$638,100
STEVENSSPOKANE-SPOKANE VALLEY, WA$331,760$424,800$513,450$638,100
THURSTONOLYMPIA-LACEY-TUMWATER, WA$370,300$474,050$573,000$712,100
WAHKIAKUMNON-METRO$331,760$424,800$513,450$638,100
WALLA WALLAWALLA WALLA, WA$331,760$424,800$513,450$638,100
WHATCOMBELLINGHAM, WA$411,700$527,050$637,050$791,750
WHITMANPULLMAN, WA$331,760$424,800$513,450$638,100
YAKIMAYAKIMA, WA$331,760$424,800$513,450$638,100

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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