Washington State 2024 FHA Loan Limits

Last Updated: Tue, January 2, 2024

Loan Limits in Washington State

Washington has 39 counties with FHA Limits ranging from a low of $498,257 for a 1-bedroom unit in Adams County to a high of $1,879,850 for a 4-bedroom unit in King County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Washington's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($958,350)
Highest Loan Limit ($1,879,850)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Washington State (39 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Adams County $498,257 $958,350 view details »
Asotin County $498,257 $958,350 view details »
Benton County $498,257 $958,350 view details »
Chelan County $506,000 $973,100 view details »
Clallam County $498,257 $958,350 view details »
Clark County $679,650 $1,307,050 view details »
Columbia County $498,257 $958,350 view details »
Cowlitz County $498,257 $958,350 view details »
Douglas County $506,000 $973,100 view details »
Ferry County $498,257 $958,350 view details »
Franklin County $498,257 $958,350 view details »
Garfield County $498,257 $958,350 view details »
Grant County $498,257 $958,350 view details »
Grays Harbor County $498,257 $958,350 view details »
Island County $575,000 $1,105,800 view details »
Jefferson County $517,500 $995,200 view details »
King County $977,500 $1,879,850 view details »
Kitsap County $563,500 $1,083,650 view details »
Kittitas County $498,257 $958,350 view details »
Klickitat County $498,257 $958,350 view details »
Lewis County $498,257 $958,350 view details »
Lincoln County $498,257 $958,350 view details »
Mason County $498,257 $958,350 view details »
Okanogan County $498,257 $958,350 view details »
Pacific County $498,257 $958,350 view details »
Pend Oreille County $498,257 $958,350 view details »
Pierce County $977,500 $1,879,850 view details »
San Juan County $498,257 $958,350 view details »
Skagit County $545,100 $1,048,300 view details »
Skamania County $679,650 $1,307,050 view details »
Snohomish County $977,500 $1,879,850 view details »
Spokane County $498,257 $958,350 view details »
Stevens County $498,257 $958,350 view details »
Thurston County $546,250 $1,050,500 view details »
Wahkiakum County $498,257 $958,350 view details »
Walla Walla County $498,257 $958,350 view details »
Whatcom County $603,750 $1,161,050 view details »
Whitman County $529,000 $1,017,300 view details »
Yakima County $498,257 $958,350 view details »

How to qualify for an FHA Loan in Washington State?

To qualify for an FHA loan in Washington, your home loan must be below the local FHA loan limits in your area. For 2024, the maximum loan limit in Washington is $498,257 for a single-family home and $1,879,850 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Washington. Additional restricts apply. Click on the Washington map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/washington