South Carolina VA Loan Limits

VA Loans in South Carolina

Did you know you may be eligible for a zero-down loan without any maximum limit if you are a veteran or military service member in South Carolina? In 2020, the VA eliminated all limits for VA loans in South Carolina VA loans for most borrowers. This means that first-time VA homebuyers and those with full entitlements can borrow as much money as the lenders will allow. The amount of your South Carolina VA home loan will now depend more on your financial status than the local housing market. VA loan limits are also still available for homebuyers with VA loans or partial entitlement. You may qualify if you are one of the 365,139 veterans living in South Carolina, active-duty servicemember or eligible surviving spouse of a military member.

There’s no South Carolina VA loan limits in 2022 for those with full entitlement

The Department of Veterans Affairs eliminated SC VA home loan limits for fully-qualified borrowers in 2020. That means you can borrow more because you don’t have to worry about finding a house within your local limits. As such, VA home loans now have increased appeal since removing the loan limit requirement. This is especially true when compared to other government mortgage loans. FHA loans, also government-backed, have loan limitations that are based on local housing prices. In most areas across the country, the FHA limit for 2022 is $420,680. Loan limits also apply to conforming conventional mortgages, which are insured by Fannie Mae or Freddie Mac rather than a government agency. All that being said, it’s important to remember that just because qualified applicants don’t have to meet any VA loan limit in South Carolina doesn’t mean that you can purchase a home at any price.

Lenders now decide how much loan you can afford

Your ability to repay the loan now depends on on the private mortgage lender that issues your VA-backed loan. Along with some general VA loan requirements, the lender will consider several factors.

  • Applicant Credit Score: VA borrowers usually need to have a credit score of 620 or better, although some lenders are rumored to lend down to a 580 from time to time. Additionally, South Carolina VA loan rates often depend on an applicant’s credit score.
  • Income: Lenders will verify your income for the past 2 years to ensure you are earning enough to pay your monthly mortgage payment. VA loans employ two methods of evaluating applicant income to determine how much mortgage they can afford, known as the Debt-to-Income Ratio and the Residual Income method. Of course, you should be asking yourself how much mortgage can I afford before applying for any home loan.
  • Applicant Debt-To Income Ratio (DTI): Your debt-to-income ratio compares your monthly debt payments to your monthly income. VA even allows the lender to approve them at a higher DTI if they have other compensating factors. While there’s no limit on VA loan programs for 2022, its ultimately up to your lender and your personal circumstances to determine how much you can borrow.

You can search for an approved VA lender in South Carolina, including in the following cities and towns here:

Aiken, Anderson, Batesburg-Leesville, Beaufort, Belvedere, Bennettsville, Berea, Bluffton, Boiling Springs, Burton, Camden, Cayce, Centerville, Central, Charleston, Cheraw, Chester, Clemson, Clinton, Clover, Columbia, Conway, Darlington, Dentsville, Dillon, Easley, Five Forks, Florence, Forest Acres, Forestbrook, Fort Mill, Fountain Inn, Gaffney, Gantt, Garden City, Georgetown, Goose Creek, Greenville, Greenwood, Greer, Hanahan, Hardeeville, Hartsville, Hilton Head Island, Hollywood, Homeland Park, Irmo, James Island, Ladson, Lake City, Lake Murray of Richland, Lake Wylie, Lancaster, Laurel Bay, Laurens, Lexington, Little River, Lugoff, Marion, Mauldin, Moncks Corner, Mount Pleasant, Murrells Inlet, Myrtle Beach, Newberry, North Augusta, North Charleston, North Myrtle Beach, Oak Grove, Orangeburg, Parker, Piedmont, Port Royal, Powdersville, Red Bank, Red Hill, Rock Hill, Sangaree, Sans Souci, Seneca, Seven Oaks, Simpsonville, Socastee, Spartanburg, St. Andrews, Summerville, Sumter, Taylors, Tega Cay, Travelers Rest, Union, Valley Falls, Wade Hampton, Walterboro, Welcome, West Columbia, Woodfield, York

How do I determine my entitlement level?

The VA Certificate of Eligibility, or COE, is what informs lenders of an applicant’s eligibility for a VA loan. It also indicates your level of entitlement. The COE helps the VA and your lender to communicate. Your COE may not make much sense at first glance. As an example, if a COE reflects a basic entitlement of $36,000, that number shows how much loan insurance the VA offers through the VA guarantee, rather than your potential borrowing potential. This VA insurance reduces the risk for the lender and eliminates the need to make a down payment or monthly mortgage insurance payments. The VA covers 25% of the amount you borrow on your home loan, regardless of how much it is approved by the lender. You may also want to refer to a VA loan calculator to help figure out your entitlement and potential borrowing power.

What does full entitlement refer to?

The maximum VA home loan benefits you’re eligible for is known as full entitlement. If you’re a first-time home buyer or it’s you’re first time using a VA loan, you’re likely to have a full entitlement. If you’ve used your VA benefits before, you may still be eligible for a full entitlement if the loan is fully repaid and your benefit is restored. Otherwise, you may be a borrowers that’s eligible for partial entitlement. That may be the case for someone who used an South Carolina VA loan to purchase a home a few years back and is still paying that loan off. With a partial entitlement, an applicant may still be eligible for a VA loan but the mortgage must not exceed their local max loan amount for VA financing. There are other caveats that may apply related to your VA home loan entitlement eligibility. As an example, current VA loan holders or former borrowers who have been foreclosed will not be eligible for their full entitlement. You won’t get your full entitlement if you’ve short-sold a VA-backed loan which the VA had to reimburse. In fact, if you’ve had a foreclosure or short-sale in your past, you might not be eligible to receive another VA loan at all.

What is the maximum amount I can borrow if I have partial eligibility?

Since 2020, specific SC VA loan limits only apply to partial entitlement. Those mortgage limits are identical to the conventional conforming loan limit for a particular area. Conventional loan limits are set by the Federal Housing Finance Agency (FHFA) each year. The loan limits will depend on where you live and the property you purchase. They are determined based on local home prices. This FHFA map will show you the loan limits for your county. It’s not difficult to determine your county’s loan limit. However, it can be complicated to calculate how this limit will affect your home loan. To determine if you will need a downpayment on the VA loan, lenders use a complex equation. You can read our guide on buying an additional house with a VA loan. Talk to a VA lender if you only want to find out how much house you could afford using a VA loan. In just a few minutes, they can calculate your home’s potential price and look up your COE.

South Carolina VA Home Loan Limits 2022 Map (for partial eligibility applicants)

South Carolina VA County Loan Limits 2022 (for partial eligibility applicants)

County Name
Limit
ABBEVILLE$424,100
AIKEN$424,100
ALLENDALE$424,100
ANDERSON$424,100
BAMBERG$424,100
BARNWELL$424,100
BEAUFORT$424,100
BERKELEY$424,100
CALHOUN$424,100
CHARLESTON$424,100
CHEROKEE$424,100
CHESTER$424,100
CHESTERFIELD$424,100
CLARENDON$424,100
COLLETON$424,100
DARLINGTON$424,100
DILLON$424,100
DORCHESTER$424,100
EDGEFIELD$424,100
FAIRFIELD$424,100
FLORENCE$424,100
GEORGETOWN$424,100
GREENVILLE$424,100
GREENWOOD$424,100
HAMPTON$424,100
HORRY$424,100
JASPER$424,100
KERSHAW$424,100
LANCASTER$424,100
LAURENS$424,100
LEE$424,100
LEXINGTON$424,100
MARION$424,100
MARLBORO$424,100
MCCORMICK$424,100
NEWBERRY$424,100
OCONEE$424,100
ORANGEBURG$424,100
PICKENS$424,100
RICHLAND$424,100
SALUDA$424,100
SPARTANBURG$424,100
SUMTER$424,100
UNION$424,100
WILLIAMSBURG$424,100
YORK$424,100

VA Loan FAQs

Can closing costs be included in a VA Loan?

If you don’t have enough funds to cover closing costs on your new home, you can include certain costs in your VA loan. You also have the option to roll your funding fee into your total mortgage amount. As for the fees that can’t be rolled into your mortgage per VA loan qualifications, you may still be eligible for seller or lender concessions that will lower the upfront cash cost.

What are the closing costs for a VA loan?

Borrowers generally pay different closing costs depending on where they live and the particulars of their transaction you have. Closing costs are often within the range of 3% and 5% of the total mortgage amount.

Who pays the closing costs of a VA loan?

The closing costs of a VA loan are generally split between the seller and buyer, however the seller costs must not exceed 4% of the total loan amount. The seller’s share usually includes the commission for real estate agents.

You, as the buyer, are responsible for the VA funding fee, origination fee and discount points, VA appraisal fee, title fees, and other costs, some of which can be financed. Fortunately, VA home loan requirements establish limitations on costs for home buyers, and also help you keep costs down by limiting the origination fee.

FHA Loan Limits

FHA Loan Limits

The Federal Housing Administration (FHA) makes it possible for Americans with lower incomes and imperfect credit ratings to purchase a home. FHA loan limits were recently increased so that larger loans can now be obtained. Read More

FHA Loan Requirements

FHa Loan Requirements

FHA loans are a terrific option for home buyers with lower incomes, imperfect credit ratings or limited cash available for a down payment. In fact, FHA loan requirements feature a certain flexibility which makes them the only option available for millions of American mortgage applicants with “average” qualifications. That’s why FHA loans jumped in popularity after the 2008 financial crisis when subprime mortgage options were eliminated. Read More

Vermont FHA Approved Condos

NATHANIEL COURT
BENNINGTON, VT, 05201
BENNINGTON County
FHA Condo ID: VT-004-96
Date Approved: 1996-10-24
BROOKSIDE CONDOMINIUMS
BRATTLEBORO, VT, 05301
WINDHAM County
FHA Condo ID: VA-003-90
Date Approved: 1985-06-01
MORNINGSIDE COMMONS
BRATTLEBORO, VT, 05301
WINDHAM County
FHA Condo ID: VA-005-90
Date Approved: 1985-06-01
APPLE TREE POINT CONDOMINIUMS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-001-96
Date Approved: 1996-03-12
CITY BLUFFS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-92
Date Approved: 1992-12-23
FAIRMONT PLACE CONDOMINIUMS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-94
Date Approved: 1994-02-14
RIVERS EDGE
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-93
Date Approved: 1993-03-25
ROSE STREET COOPERATIVE CONDOS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VA-006-90
Date Approved: 1985-06-01
VALADE PARK
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-98
Date Approved: 1998-02-24
Remarks: 52 UNITS - SITE INSPECTION 2-24-98
VALLEY RIDGE <PUD>
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VA-010-90
Date Approved: 1985-06-01
CREEK FARM TOWN HOUSES
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-002-97
Date Approved: 1997-07-29
CREEKSIDE CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-95
Date Approved: 1995-05-22
CREEKSIDE CONDOMINIUMS (Phase 1&2)
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-95
Date Approved: 1995-05-22
HOLLOW CREEK
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-94
Date Approved: 1994-01-10
PARTRIDGE HILL CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-95
Date Approved: 1995-03-03
PHEASANT WOODS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-011-93
Date Approved: 1993-10-13
RED PINES CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-002-95
Date Approved: 1995-04-05
SUNDERLAND WOODS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-004-94
Date Approved: 1994-08-30
VALLEYFIELD COMMONS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-91
Date Approved: 1991-06-06
WESTBROOK CONDO (Phase I)
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-91
Date Approved: 1991-02-13
Remarks: 24 UNITS SITE VISIT020591
WHISPERING PINES CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-006-95
Date Approved: 1995-10-05
ESSEX GREEN CONODMINIUMS
ESSEX JCT, VT, 00000
FHA Condo ID: VT-002-91
Date Approved: 1991-04-24
Remarks: BUILDING A, C, E, AND F ARE APPROVED. B AND D BUILDINGS ARE NOT APPROVED.
BRICK YARD CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-002-90
Date Approved: 1985-06-01
BROOKSIDE CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-006-93
Date Approved: 1993-05-01
CHASE COMMONS CONDOMINIUM
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-002-90
Date Approved: 1990-04-12
COBLEIGH SQUARE
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-001-98
Date Approved: 1998-01-09
EAST CREEK CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-005-95
Date Approved: 1995-09-19
ESSEX PARK WEST
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-007-94
Date Approved: 1994-09-13
PLAZA. PARK CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-003-90
Date Approved: 1990-04-26
SAY BROOK CLUSTERS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-007-90
Date Approved: 1985-06-01
SHERWOOD SQUARE CONDOS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-008-90
Date Approved: 1985-06-01
SOUTH CREEK
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-009-93
Date Approved: 1993-06-01
VILLAGE GLEN CONDOMIINIUM
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-003-98
Date Approved: 1998-03-27
Remarks: INSPECTION 3-27-98
STONES THROW CONDOMINIUMS
HARTFORD, VT, 05047
WINDSOR County
FHA Condo ID: VT-003-97
Date Approved: 1997-07-08
LYMAN MEADOW
HINESBURG, VT, 05461
CHITTENDEN County
FHA Condo ID: VT-007-93
Date Approved: 1993-06-09
MIDDLEBURY EAST CONDOMINIUM
MIDDLEBURY, VT, 05753
ADDISON County
FHA Condo ID: VT-001-90
Date Approved: 1990-04-03
Remarks: 50 UNITS
WOODLAND PARK
MIDDLEBURY, VT, 05753
ADDISON County
FHA Condo ID: VT-006-96
Date Approved: 1996-12-13
FOX BRIAR CONDOMINIUMS
MILTON, VT, 05468
CHITTENDEN County
FHA Condo ID: VT-010-93
Date Approved: 1993-09-13
GRIEVES FARM
MONTPELIER, VT, 05602
WASHINGTON County
FHA Condo ID: VA-004-90
Date Approved: 1985-06-01
THE COMMONS
MORETOWN, VT, 05660
WASHINGTON County
FHA Condo ID: VT-003-94
Date Approved: 1994-07-15

Kentucky FHA Loan Limits

Kentucky FHA Loan Limits

What are FHA Loan Limits in Kentucky?

FHA loans are a low down payment mortgage program and Kentucky 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 Kentucky are set at the floor amount of $275,665 across nearly the entire state.

Kentucky FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAIRNON-METRO$331,760$424,800$513,450$638,100
ALLENBOWLING GREEN, KY$331,760$424,800$513,450$638,100
ANDERSONFRANKFORT, KY$331,760$424,800$513,450$638,100
BALLARDPADUCAH, KY-IL$331,760$424,800$513,450$638,100
BARRENGLASGOW, KY$331,760$424,800$513,450$638,100
BATHMOUNT STERLING, KY$331,760$424,800$513,450$638,100
BELLMIDDLESBOROUGH, KY$331,760$424,800$513,450$638,100
BOONECINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
BOURBONLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
BOYDHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
BOYLEDANVILLE, KY$331,760$424,800$513,450$638,100
BRACKENCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
BREATHITTNON-METRO$331,760$424,800$513,450$638,100
BRECKINRIDGENON-METRO$331,760$424,800$513,450$638,100
BULLITTLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
BUTLERBOWLING GREEN, KY$331,760$424,800$513,450$638,100
CALDWELLNON-METRO$331,760$424,800$513,450$638,100
CALLOWAYMURRAY, KY$331,760$424,800$513,450$638,100
CAMPBELLCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
CARLISLENON-METRO$331,760$424,800$513,450$638,100
CARROLLNON-METRO$331,760$424,800$513,450$638,100
CARTERHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
CASEYNON-METRO$331,760$424,800$513,450$638,100
CHRISTIANCLARKSVILLE, TN-KY$331,760$424,800$513,450$638,100
CLARKLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
CLAYLONDON, KY$331,760$424,800$513,450$638,100
CLINTONNON-METRO$331,760$424,800$513,450$638,100
CRITTENDENNON-METRO$331,760$424,800$513,450$638,100
CUMBERLANDNON-METRO$331,760$424,800$513,450$638,100
DAVIESSOWENSBORO, KY$331,760$424,800$513,450$638,100
EDMONSONBOWLING GREEN, KY$331,760$424,800$513,450$638,100
ELLIOTTNON-METRO$331,760$424,800$513,450$638,100
ESTILLRICHMOND-BEREA, KY$331,760$424,800$513,450$638,100
FAYETTELEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
FLEMINGNON-METRO$331,760$424,800$513,450$638,100
FLOYDNON-METRO$331,760$424,800$513,450$638,100
FRANKLINFRANKFORT, KY$331,760$424,800$513,450$638,100
FULTONNON-METRO$331,760$424,800$513,450$638,100
GALLATINCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
GARRARDNON-METRO$331,760$424,800$513,450$638,100
GRANTCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
GRAVESMAYFIELD, KY$331,760$424,800$513,450$638,100
GRAYSONNON-METRO$331,760$424,800$513,450$638,100
GREENCAMPBELLSVILLE, KY$331,760$424,800$513,450$638,100
GREENUPHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
HANCOCKOWENSBORO, KY$331,760$424,800$513,450$638,100
HARDINELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
HARLANNON-METRO$331,760$424,800$513,450$638,100
HARRISONNON-METRO$331,760$424,800$513,450$638,100
HARTNON-METRO$331,760$424,800$513,450$638,100
HENDERSONEVANSVILLE, IN-KY$331,760$424,800$513,450$638,100
HENRYLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
HICKMANNON-METRO$331,760$424,800$513,450$638,100
HOPKINSMADISONVILLE, KY$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
JESSAMINELEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
JOHNSONNON-METRO$331,760$424,800$513,450$638,100
KENTONCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
KNOTTNON-METRO$331,760$424,800$513,450$638,100
KNOXLONDON, KY$331,760$424,800$513,450$638,100
LARUEELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
LAURELLONDON, KY$331,760$424,800$513,450$638,100
LAWRENCENON-METRO$331,760$424,800$513,450$638,100
LEENON-METRO$331,760$424,800$513,450$638,100
LESLIENON-METRO$331,760$424,800$513,450$638,100
LETCHERNON-METRO$331,760$424,800$513,450$638,100
LEWISNON-METRO$331,760$424,800$513,450$638,100
LINCOLNDANVILLE, KY$331,760$424,800$513,450$638,100
LIVINGSTONPADUCAH, KY-IL$331,760$424,800$513,450$638,100
LOGANNON-METRO$331,760$424,800$513,450$638,100
LYONNON-METRO$331,760$424,800$513,450$638,100
MADISONRICHMOND-BEREA, KY$331,760$424,800$513,450$638,100
MAGOFFINNON-METRO$331,760$424,800$513,450$638,100
MARIONNON-METRO$331,760$424,800$513,450$638,100
MARSHALLNON-METRO$331,760$424,800$513,450$638,100
MARTINNON-METRO$331,760$424,800$513,450$638,100
MASONMAYSVILLE, KY$331,760$424,800$513,450$638,100
MCCRACKENPADUCAH, KY-IL$331,760$424,800$513,450$638,100
MCCREARYNON-METRO$331,760$424,800$513,450$638,100
MCLEANOWENSBORO, KY$331,760$424,800$513,450$638,100
MEADEELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
MENIFEEMOUNT STERLING, KY$331,760$424,800$513,450$638,100
MERCERNON-METRO$331,760$424,800$513,450$638,100
METCALFEGLASGOW, KY$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYMOUNT STERLING, KY$331,760$424,800$513,450$638,100
MORGANNON-METRO$331,760$424,800$513,450$638,100
MUHLENBERGCENTRAL CITY, KY$331,760$424,800$513,450$638,100
NELSONBARDSTOWN, KY$331,760$424,800$513,450$638,100
NICHOLASNON-METRO$331,760$424,800$513,450$638,100
OHIONON-METRO$331,760$424,800$513,450$638,100
OLDHAMLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
OWENNON-METRO$331,760$424,800$513,450$638,100
OWSLEYNON-METRO$331,760$424,800$513,450$638,100
PENDLETONCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
PERRYNON-METRO$331,760$424,800$513,450$638,100
PIKENON-METRO$331,760$424,800$513,450$638,100
POWELLNON-METRO$331,760$424,800$513,450$638,100
PULASKISOMERSET, KY$331,760$424,800$513,450$638,100
ROBERTSONNON-METRO$331,760$424,800$513,450$638,100
ROCKCASTLENON-METRO$331,760$424,800$513,450$638,100
ROWANNON-METRO$331,760$424,800$513,450$638,100
RUSSELLNON-METRO$331,760$424,800$513,450$638,100
SCOTTLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
SHELBYLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
SIMPSONNON-METRO$331,760$424,800$513,450$638,100
SPENCERLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
TAYLORCAMPBELLSVILLE, KY$331,760$424,800$513,450$638,100
TODDNON-METRO$331,760$424,800$513,450$638,100
TRIGGCLARKSVILLE, TN-KY$331,760$424,800$513,450$638,100
TRIMBLENON-METRO$331,760$424,800$513,450$638,100
UNIONNON-METRO$331,760$424,800$513,450$638,100
WARRENBOWLING GREEN, KY$331,760$424,800$513,450$638,100
WASHINGTONNON-METRO$331,760$424,800$513,450$638,100
WAYNENON-METRO$331,760$424,800$513,450$638,100
WEBSTERNON-METRO$331,760$424,800$513,450$638,100
WHITLEYLONDON, KY$331,760$424,800$513,450$638,100
WOLFENON-METRO$331,760$424,800$513,450$638,100
WOODFORDLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100

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

How are Kentucky FHA Limits Set?

Kentucky FHA Loan LimitsMortgage limits for Kentucky 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.

KY FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in KY 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 KY 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.

Kentucky FHA loan limits are set above the floor amount in areas near Louisville and Cincinnati, OH. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

New Jersey FHA Loan Limits

New Jersey FHA Loan Limits

What are FHA Loan Limits in New Jersey?

FHA loans are a low down payment mortgage program and New Jersey 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 New Jersey are set above the floor amount of $275,665 across the entire state.

New Jersey FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ATLANTICATLANTIC CITY-HAMMONTON, NJ$331,760$424,800$513,450$638,100
BERGENNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
BURLINGTONPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
CAMDENPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
CAPE MAYOCEAN CITY, NJ$414,000$530,000$640,650$796,150
CUMBERLANDVINELAND-BRIDGETON, NJ$331,760$424,800$513,450$638,100
ESSEXNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
GLOUCESTERPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
HUDSONNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
HUNTERDONNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
MERCERTRENTON-PRINCETON, NJ$345,000$441,650$533,850$663,450
MIDDLESEXNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
MONMOUTHNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
MORRISNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
OCEANNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
PASSAICNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
SALEMPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
SOMERSETNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
SUSSEXNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
UNIONNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
WARRENALLENTOWN-BETHLEHEM-EASTON, PA-NJ$372,600$477,000$576,550$716,550

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

How are New Jersey FHA Limits Set?

New Jersey FHA Loan LimitsMortgage limits for New Jersey 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.

New Jersey FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in New Jersey 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 New Jersey 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.

New Jersey FHA loan limits are set above the nationwide floor amount in Newark, Perth Amboy, Vineland, Union, Piscataway, New Brunswick, Hoboken, Plainfield, Jersey City and all other areas in the state. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

Wyoming FHA Loan Limits

Wyoming FHA Loan Limits

What are FHA Loan Limits in Wyoming?

FHA loans are a low down payment mortgage program and Wyoming 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 Wyoming are set at the floor amount of $275,665 across almost the entire state.

Wyoming FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ALBANYLARAMIE, WY$331,760$424,800$513,450$638,100
BIG HORNNON-METRO$331,760$424,800$513,450$638,100
CAMPBELLGILLETTE, WY$331,760$424,800$513,450$638,100
CARBONNON-METRO$331,760$424,800$513,450$638,100
CONVERSENON-METRO$331,760$424,800$513,450$638,100
CROOKGILLETTE, WY$331,760$424,800$513,450$638,100
FREMONTRIVERTON, WY$331,760$424,800$513,450$638,100
GOSHENNON-METRO$331,760$424,800$513,450$638,100
HOT SPRINGSNON-METRO$331,760$424,800$513,450$638,100
JOHNSONNON-METRO$331,760$424,800$513,450$638,100
LARAMIECHEYENNE, WY$331,760$424,800$513,450$638,100
LINCOLNNON-METRO$331,760$424,800$513,450$638,100
NATRONACASPER, WY$331,760$424,800$513,450$638,100
NIOBRARANON-METRO$331,760$424,800$513,450$638,100
PARKNON-METRO$331,760$424,800$513,450$638,100
PLATTENON-METRO$331,760$424,800$513,450$638,100
SHERIDANSHERIDAN, WY$331,760$424,800$513,450$638,100
SUBLETTENON-METRO$331,760$424,800$513,450$638,100
SWEETWATERROCK SPRINGS, WY$331,760$424,800$513,450$638,100
TETONJACKSON, WY-ID$765,600$980,325$1,184,925$1,472,550
UINTAEVANSTON, WY$331,760$424,800$513,450$638,100
WASHAKIENON-METRO$331,760$424,800$513,450$638,100
WESTONGILLETTE, WY$331,760$424,800$513,450$638,100

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

How are Wyoming FHA Limits Set?

Wyoming FHA Loan LimitsMortgage limits for Wyoming 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.

Wyoming FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Wyoming 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 Wyoming 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.

Wyoming FHA loan limits are set above the nationwide floor amount in the areas of Jackson and Sheridan. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

Wisconsin FHA Loan Limits

Wisconsin FHA Loan Limits

What are FHA Loan Limits in Wisconsin?

FHA loans are a low down payment mortgage program and Wisconsin 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 Wisconsin are set at the floor amount of $275,665 across almost the entire state.

Wisconsin FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSNON-METRO$331,760$424,800$513,450$638,100
ASHLANDNON-METRO$331,760$424,800$513,450$638,100
BARRONNON-METRO$331,760$424,800$513,450$638,100
BAYFIELDNON-METRO$331,760$424,800$513,450$638,100
BROWNGREEN BAY, WI$331,760$424,800$513,450$638,100
BUFFALONON-METRO$331,760$424,800$513,450$638,100
BURNETTNON-METRO$331,760$424,800$513,450$638,100
CALUMETAPPLETON, WI$331,760$424,800$513,450$638,100
CHIPPEWAEAU CLAIRE, WI$331,760$424,800$513,450$638,100
CLARKNON-METRO$331,760$424,800$513,450$638,100
COLUMBIAMADISON, WI$333,500$426,950$516,050$641,350
CRAWFORDNON-METRO$331,760$424,800$513,450$638,100
DANEMADISON, WI$333,500$426,950$516,050$641,350
DODGEBEAVER DAM, WI$331,760$424,800$513,450$638,100
DOORNON-METRO$331,760$424,800$513,450$638,100
DOUGLASDULUTH, MN-WI$331,760$424,800$513,450$638,100
DUNNMENOMONIE, WI$331,760$424,800$513,450$638,100
EAU CLAIREEAU CLAIRE, WI$331,760$424,800$513,450$638,100
FLORENCEIRON MOUNTAIN, MI-WI$331,760$424,800$513,450$638,100
FOND DU LACFOND DU LAC, WI$331,760$424,800$513,450$638,100
FORESTNON-METRO$331,760$424,800$513,450$638,100
GRANTPLATTEVILLE, WI$331,760$424,800$513,450$638,100
GREENMADISON, WI$333,500$426,950$516,050$641,350
GREEN LAKENON-METRO$331,760$424,800$513,450$638,100
IOWAMADISON, WI$333,500$426,950$516,050$641,350
IRONNON-METRO$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONWATERTOWN-FORT ATKINSON, WI$331,760$424,800$513,450$638,100
JUNEAUNON-METRO$331,760$424,800$513,450$638,100
KENOSHACHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$368,000$471,100$569,450$707,700
KEWAUNEEGREEN BAY, WI$331,760$424,800$513,450$638,100
LA CROSSELA CROSSE-ONALASKA, WI-MN$331,760$424,800$513,450$638,100
LAFAYETTENON-METRO$331,760$424,800$513,450$638,100
LANGLADENON-METRO$331,760$424,800$513,450$638,100
LINCOLNWAUSAU-WESTON, WI$331,760$424,800$513,450$638,100
MANITOWOCMANITOWOC, WI$331,760$424,800$513,450$638,100
MARATHONWAUSAU-WESTON, WI$331,760$424,800$513,450$638,100
MARINETTEMARINETTE, WI-MI$331,760$424,800$513,450$638,100
MARQUETTENON-METRO$331,760$424,800$513,450$638,100
MENOMINEESHAWANO, WI$331,760$424,800$513,450$638,100
MILWAUKEEMILWAUKEE-WAUKESHA, WI$339,250$434,300$524,950$652,400
MONROENON-METRO$331,760$424,800$513,450$638,100
OCONTOGREEN BAY, WI$331,760$424,800$513,450$638,100
ONEIDANON-METRO$331,760$424,800$513,450$638,100
OUTAGAMIEAPPLETON, WI$331,760$424,800$513,450$638,100
OZAUKEEMILWAUKEE-WAUKESHA, WI$339,250$434,300$524,950$652,400
PEPINNON-METRO$331,760$424,800$513,450$638,100
PIERCEMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$382,950$490,250$592,600$736,450
POLKNON-METRO$331,760$424,800$513,450$638,100
PORTAGESTEVENS POINT, WI$331,760$424,800$513,450$638,100
PRICENON-METRO$331,760$424,800$513,450$638,100
RACINERACINE, WI$331,760$424,800$513,450$638,100
RICHLANDNON-METRO$331,760$424,800$513,450$638,100
ROCKJANESVILLE-BELOIT, WI$331,760$424,800$513,450$638,100
RUSKNON-METRO$331,760$424,800$513,450$638,100
SAUKBARABOO, WI$331,760$424,800$513,450$638,100
SAWYERNON-METRO$331,760$424,800$513,450$638,100
SHAWANOSHAWANO, WI$331,760$424,800$513,450$638,100
SHEBOYGANSHEBOYGAN, WI$331,760$424,800$513,450$638,100
ST. CROIXMINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI$382,950$490,250$592,600$736,450
TAYLORNON-METRO$331,760$424,800$513,450$638,100
TREMPEALEAUNON-METRO$331,760$424,800$513,450$638,100
VERNONNON-METRO$331,760$424,800$513,450$638,100
VILASNON-METRO$331,760$424,800$513,450$638,100
WALWORTHWHITEWATER, WI$331,760$424,800$513,450$638,100
WASHBURNNON-METRO$331,760$424,800$513,450$638,100
WASHINGTONMILWAUKEE-WAUKESHA, WI$339,250$434,300$524,950$652,400
WAUKESHAMILWAUKEE-WAUKESHA, WI$339,250$434,300$524,950$652,400
WAUPACANON-METRO$331,760$424,800$513,450$638,100
WAUSHARANON-METRO$331,760$424,800$513,450$638,100
WINNEBAGOOSHKOSH-NEENAH, WI$331,760$424,800$513,450$638,100
WOODWISCONSIN RAPIDS-MARSHFIELD, WI$331,760$424,800$513,450$638,100

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

How are Wisconsin FHA Limits Set?

Mortgage limits for Wisconsin 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.

Wisconsin FHA Loan LimitsWisconsin FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Wisconsin 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 Wisconsin 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.

Wisconsin FHA loan limits are set above the nationwide floor amount in the areas of Milwaukee and Madison. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

West Virginia FHA Loan Limits

West Virginia FHA Loan Limits

What are FHA Loan Limits in West Virginia?

FHA loans are a low down payment mortgage program and West Virginia 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 West Virginia are set at the floor amount of $275,665 across most of the state.

West Virginia FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
BARBOURNON-METRO$331,760$424,800$513,450$638,100
BERKELEYHAGERSTOWN-MARTINSBURG, MD-WV$331,760$424,800$513,450$638,100
BOONECHARLESTON, WV$331,760$424,800$513,450$638,100
BRAXTONNON-METRO$331,760$424,800$513,450$638,100
BROOKEWEIRTON-STEUBENVILLE, WV-OH$331,760$424,800$513,450$638,100
CABELLHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
CALHOUNNON-METRO$331,760$424,800$513,450$638,100
CLAYCHARLESTON, WV$331,760$424,800$513,450$638,100
DODDRIDGECLARKSBURG, WV$331,760$424,800$513,450$638,100
FAYETTEBECKLEY, WV$331,760$424,800$513,450$638,100
GILMERNON-METRO$331,760$424,800$513,450$638,100
GRANTNON-METRO$331,760$424,800$513,450$638,100
GREENBRIERNON-METRO$331,760$424,800$513,450$638,100
HAMPSHIREWINCHESTER, VA-WV$331,760$424,800$513,450$638,100
HANCOCKWEIRTON-STEUBENVILLE, WV-OH$331,760$424,800$513,450$638,100
HARDYNON-METRO$331,760$424,800$513,450$638,100
HARRISONCLARKSBURG, WV$331,760$424,800$513,450$638,100
JACKSONCHARLESTON, WV$331,760$424,800$513,450$638,100
JEFFERSONWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
KANAWHACHARLESTON, WV$331,760$424,800$513,450$638,100
LEWISNON-METRO$331,760$424,800$513,450$638,100
LINCOLNCHARLESTON, WV$331,760$424,800$513,450$638,100
LOGANMOUNT GAY-SHAMROCK, WV$331,760$424,800$513,450$638,100
MARIONFAIRMONT, WV$331,760$424,800$513,450$638,100
MARSHALLWHEELING, WV-OH$331,760$424,800$513,450$638,100
MASONPOINT PLEASANT, WV-OH$331,760$424,800$513,450$638,100
MCDOWELLNON-METRO$331,760$424,800$513,450$638,100
MERCERBLUEFIELD, WV-VA$331,760$424,800$513,450$638,100
MINERALCUMBERLAND, MD-WV$331,760$424,800$513,450$638,100
MINGONON-METRO$331,760$424,800$513,450$638,100
MONONGALIAMORGANTOWN, WV$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MORGANHAGERSTOWN-MARTINSBURG, MD-WV$331,760$424,800$513,450$638,100
NICHOLASNON-METRO$331,760$424,800$513,450$638,100
OHIOWHEELING, WV-OH$331,760$424,800$513,450$638,100
PENDLETONNON-METRO$331,760$424,800$513,450$638,100
PLEASANTSNON-METRO$331,760$424,800$513,450$638,100
POCAHONTASNON-METRO$331,760$424,800$513,450$638,100
PRESTONMORGANTOWN, WV$331,760$424,800$513,450$638,100
PUTNAMHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
RALEIGHBECKLEY, WV$331,760$424,800$513,450$638,100
RANDOLPHELKINS, WV$331,760$424,800$513,450$638,100
RITCHIENON-METRO$331,760$424,800$513,450$638,100
ROANENON-METRO$331,760$424,800$513,450$638,100
SUMMERSNON-METRO$331,760$424,800$513,450$638,100
TAYLORCLARKSBURG, WV$331,760$424,800$513,450$638,100
TUCKERNON-METRO$331,760$424,800$513,450$638,100
TYLERNON-METRO$331,760$424,800$513,450$638,100
UPSHURNON-METRO$331,760$424,800$513,450$638,100
WAYNEHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
WEBSTERNON-METRO$331,760$424,800$513,450$638,100
WETZELNON-METRO$331,760$424,800$513,450$638,100
WIRTPARKERSBURG-VIENNA, WV$331,760$424,800$513,450$638,100
WOODPARKERSBURG-VIENNA, WV$331,760$424,800$513,450$638,100
WYOMINGNON-METRO$331,760$424,800$513,450$638,100

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

How are West Virginia FHA Limits Set?

West Virginia FHA Loan LimitsMortgage limits for West Virginia 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.

West Virginia FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in West Virginia 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 West Virginia 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.

West Virginia FHA loan limits are set above the nationwide floor amount include include locations near Washington D.C. and Hagerstown, MD. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

Washington FHA Loan Limits

Washington FHA Loan Limits

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

 

As seen in:
CBS Moneywatch CBS News Yahoo News US News AP
Secure EHL