Washington State 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Washington State

Washington has 39 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Adams County to a high of $1,713,950 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 ($809,150)
Highest Loan Limit ($1,713,950)

† 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 $420,680 $809,150 view details »
Asotin County $420,680 $809,150 view details »
Benton County $420,680 $809,150 view details »
Chelan County $420,680 $809,150 view details »
Clallam County $420,680 $809,150 view details »
Clark County $598,000 $1,150,000 view details »
Columbia County $420,680 $809,150 view details »
Cowlitz County $420,680 $809,150 view details »
Douglas County $420,680 $809,150 view details »
Ferry County $420,680 $809,150 view details »
Franklin County $420,680 $809,150 view details »
Garfield County $420,680 $809,150 view details »
Grant County $420,680 $809,150 view details »
Grays Harbor County $420,680 $809,150 view details »
Island County $511,750 $984,150 view details »
Jefferson County $420,680 $809,150 view details »
King County $891,250 $1,713,950 view details »
Kitsap County $497,950 $957,600 view details »
Kittitas County $420,680 $809,150 view details »
Klickitat County $420,680 $809,150 view details »
Lewis County $420,680 $809,150 view details »
Lincoln County $420,680 $809,150 view details »
Mason County $420,680 $809,150 view details »
Okanogan County $420,680 $809,150 view details »
Pacific County $420,680 $809,150 view details »
Pend Oreille County $420,680 $809,150 view details »
Pierce County $891,250 $1,713,950 view details »
San Juan County $497,950 $957,600 view details »
Skagit County $473,800 $911,150 view details »
Skamania County $598,000 $1,150,000 view details »
Snohomish County $891,250 $1,713,950 view details »
Spokane County $420,680 $809,150 view details »
Stevens County $420,680 $809,150 view details »
Thurston County $477,250 $917,800 view details »
Wahkiakum County $420,680 $809,150 view details »
Walla Walla County $420,680 $809,150 view details »
Whatcom County $514,050 $988,550 view details »
Whitman County $420,680 $809,150 view details »
Yakima County $420,680 $809,150 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 2022, the maximum loan limit in Washington is $420,680 for a single-family home and $1,713,950 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