Washington State FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in Washington State

Washington has 39 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Adams County to a high of $1,397,400 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 ($605,525)
Highest Loan Limit ($1,397,400)

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

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. The maximum loan limit in Washington is $1,397,400 for a 4 living-unit home. 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. FHA loans cannot be used for real estate investment purposes or "flipping" homes in Washington. Click on the Washington map above or the table below to see loan limits in your area.

Loan Limits by County in Washington State (39)

County Lowest Loan Limit Highest Loan Limit
Adams County $314,827 $605,525 view loan limits »
Asotin County $314,827 $605,525 view loan limits »
Benton County $314,827 $605,525 view loan limits »
Chelan County $342,700 $659,050 view loan limits »
Clallam County $384,100 $738,650 view loan limits »
Clark County $474,950 $913,350 view loan limits »
Columbia County $314,827 $605,525 view loan limits »
Cowlitz County $314,827 $605,525 view loan limits »
Douglas County $342,700 $659,050 view loan limits »
Ferry County $314,827 $605,525 view loan limits »
Franklin County $314,827 $605,525 view loan limits »
Garfield County $314,827 $605,525 view loan limits »
Grant County $314,827 $605,525 view loan limits »
Grays Harbor County $314,827 $605,525 view loan limits »
Island County $379,500 $729,800 view loan limits »
Jefferson County $322,000 $619,250 view loan limits »
King County $726,525 $1,397,400 view loan limits »
Kitsap County $363,400 $698,850 view loan limits »
Kittitas County $314,827 $605,525 view loan limits »
Klickitat County $314,827 $605,525 view loan limits »
Lewis County $314,827 $605,525 view loan limits »
Lincoln County $314,827 $605,525 view loan limits »
Mason County $314,827 $605,525 view loan limits »
Okanogan County $314,827 $605,525 view loan limits »
Pacific County $314,827 $605,525 view loan limits »
Pend Oreille County $314,827 $605,525 view loan limits »
Pierce County $726,525 $1,397,400 view loan limits »
San Juan County $483,000 $928,850 view loan limits »
Skagit County $339,250 $652,400 view loan limits »
Skamania County $474,950 $913,350 view loan limits »
Snohomish County $726,525 $1,397,400 view loan limits »
Spokane County $314,827 $605,525 view loan limits »
Stevens County $314,827 $605,525 view loan limits »
Thurston County $336,950 $648,000 view loan limits »
Wahkiakum County $314,827 $605,525 view loan limits »
Walla Walla County $314,827 $605,525 view loan limits »
Whatcom County $381,800 $734,250 view loan limits »
Whitman County $314,827 $605,525 view loan limits »
Yakima County $314,827 $605,525 view loan limits »

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