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$75,650$99,850
Bellingham, WA MSA$80,350$106,050
Bremerton-Silverdale, WA MSA$89,850$118,600
Clallam County, WA$75,650$99,850
Columbia County, WA HUD Metro FMR Area$75,650$99,850
Ferry County, WA$75,650$99,850
Garfield County, WA$78,050$103,050
Grant County, WA$75,650$99,850
Grays Harbor County, WA$75,650$99,850
Island County, WA$89,550$118,200
Jefferson County, WA$75,650$99,850
Kennewick-Richland, WA MSA$80,850$106,700
Kittitas County, WA$75,700$99,900
Klickitat County, WA$75,650$99,850
Lewis County, WA$75,650$99,850
Lewiston, ID-WA MSA$75,650$99,850
Lincoln County, WA$75,650$99,850
Longview, WA MSA$75,650$99,850
Mason County, WA$75,650$99,850
Mount Vernon-Anacortes, WA MSA$78,400$103,500
Okanogan County, WA$75,650$99,850
Olympia-Tumwater, WA MSA$88,900$117,350
Pacific County, WA$75,650$99,850
Pend Oreille County, WA HUD Metro FMR Area$75,650$99,850
Portland-Vancouver-Hillsboro, OR-WA MSA$84,550$111,600
San Juan County, WA$78,050$103,050
Seattle-Bellevue, WA HUD Metro FMR Area$102,150$134,850
Spokane, WA HUD Metro FMR Area$75,650$99,850
Stevens County, WA HUD Metro FMR Area$75,650$99,850
Tacoma, WA HUD Metro FMR Area$83,150$109,750
Wahkiakum County, WA$75,650$99,850
Walla Walla County, WA HUD Metro FMR Area$75,650$99,850
Wenatchee, WA MSA$75,650$99,850
Whitman County, WA$77,750$102,650
Yakima, WA MSA$75,650$99,850
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