Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Washington. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Washington USDA Loan Limits – Guaranteed Loans

1-4 Person Households
5-8 Person Households
Adams County, WA$306,000$391,000
Bellingham, WA MSA$323,000$417,000
Bremerton-Silverdale, WA MSA$340,000$431,000
Clallam County, WA$306,000$391,000
Columbia County, WA HUD Metro FMR Area$306,000$391,000
Ferry County, WA$306,000$391,000
Garfield County, WA$306,000$391,000
Grant County, WA$306,000$391,000
Grays Harbor County, WA$306,000$391,000
Island County, WA$306,000$408,000
Jefferson County, WA$306,000$391,000
Kennewick-Richland, WA MSA$306,000$408,000
Kittitas County, WA$306,000$391,000
Klickitat County, WA$306,000$391,000
Lewis County, WA$306,000$391,000
Lewiston, ID-WA MSA$306,000$391,000
Lincoln County, WA$306,000$391,000
Longview, WA MSA$306,000$391,000
Mason County, WA$306,000$391,000
Mount Vernon-Anacortes, WA MSA$306,000$408,000
Okanogan County, WA$306,000$391,000
Olympia-Tumwater, WA MSA$340,000$431,000
Pacific County, WA$306,000$391,000
Pend Oreille County, WA HUD Metro FMR Area$306,000$391,000
Portland-Vancouver-Hillsboro, OR-WA MSA$357,000$449,000
San Juan County, WA$306,000$408,000
Seattle-Bellevue, WA HUD Metro FMR Area$431,000$569,000
Spokane, WA HUD Metro FMR Area$306,000$391,000
Stevens County, WA HUD Metro FMR Area$306,000$391,000
Tacoma, WA HUD Metro FMR Area$323,000$417,000
Wahkiakum County, WA$306,000$391,000
Walla Walla County, WA HUD Metro FMR Area$306,000$391,000
Wenatchee, WA MSA$306,000$391,000
Whitman County, WA$306,000$391,000
Yakima, WA MSA$306,000$391,000
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