USDA Guaranteed Loans are the most popular rural development mortgage program in Washington.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Washington USDA income limits playing a major role.  Guaranteed Loan income limits across WA are listed below.

Washington USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Adams County, WA$86,850$114,650
Bellingham, WA MSA$91,000$120,100
Bremerton-Silverdale, WA MSA$98,350$129,800
Clallam County, WA$86,850$114,650
Columbia County, WA HUD Metro FMR Area$86,850$114,650
Ferry County, WA$86,850$114,650
Garfield County, WA$86,850$114,650
Grant County, WA$86,850$114,650
Grays Harbor County, WA$86,850$114,650
Island County, WA$89,550$118,200
Jefferson County, WA$86,850$114,650
Kennewick-Richland, WA MSA$89,700$118,400
Kittitas County, WA$86,850$114,650
Klickitat County, WA$86,850$114,650
Lewis County, WA$86,850$114,650
Lewiston, ID-WA MSA$86,850$114,650
Lincoln County, WA$86,850$114,650
Longview, WA MSA$86,850$114,650
Mason County, WA$86,850$114,650
Mount Vernon-Anacortes, WA MSA$87,400$115,350
Okanogan County, WA$86,850$114,650
Olympia-Tumwater, WA MSA$96,250$127,050
Pacific County, WA$86,850$114,650
Pend Oreille County, WA HUD Metro FMR Area$86,850$114,650
Portland-Vancouver-Hillsboro, OR-WA MSA$101,050$133,400
San Juan County, WA$88,400$116,700
Seattle-Bellevue, WA HUD Metro FMR Area$127,300$168,050
Spokane, WA HUD Metro FMR Area$86,850$114,650
Stevens County, WA HUD Metro FMR Area$86,850$114,650
Tacoma, WA HUD Metro FMR Area$92,200$121,700
Wahkiakum County, WA$86,850$114,650
Walla Walla County, WA HUD Metro FMR Area$86,850$114,650
Wenatchee, WA MSA$86,850$114,650
Whitman County, WA$86,850$114,650
Yakima, WA MSA$86,850$114,650
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