Washington State 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Washington State

Washington has 39 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Adams County to a high of $1,492,800 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 ($685,400)
Highest Loan Limit ($1,492,800)

† 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 $356,362 $685,400 view details »
Asotin County $356,362 $685,400 view details »
Benton County $356,362 $685,400 view details »
Chelan County $371,450 $714,350 view details »
Clallam County $384,100 $738,650 view details »
Clark County $517,500 $995,200 view details »
Columbia County $356,362 $685,400 view details »
Cowlitz County $356,362 $685,400 view details »
Douglas County $371,450 $714,350 view details »
Ferry County $356,362 $685,400 view details »
Franklin County $356,362 $685,400 view details »
Garfield County $356,362 $685,400 view details »
Grant County $356,362 $685,400 view details »
Grays Harbor County $356,362 $685,400 view details »
Island County $431,250 $829,350 view details »
Jefferson County $356,362 $685,400 view details »
King County $776,250 $1,492,800 view details »
Kitsap County $435,850 $838,200 view details »
Kittitas County $356,362 $685,400 view details »
Klickitat County $356,362 $685,400 view details »
Lewis County $356,362 $685,400 view details »
Lincoln County $356,362 $685,400 view details »
Mason County $356,362 $685,400 view details »
Okanogan County $356,362 $685,400 view details »
Pacific County $356,362 $685,400 view details »
Pend Oreille County $356,362 $685,400 view details »
Pierce County $776,250 $1,492,800 view details »
San Juan County $497,950 $957,600 view details »
Skagit County $405,950 $780,650 view details »
Skamania County $517,500 $995,200 view details »
Snohomish County $776,250 $1,492,800 view details »
Spokane County $356,362 $685,400 view details »
Stevens County $356,362 $685,400 view details »
Thurston County $405,950 $780,650 view details »
Wahkiakum County $356,362 $685,400 view details »
Walla Walla County $356,362 $685,400 view details »
Whatcom County $442,750 $851,450 view details »
Whitman County $356,362 $685,400 view details »
Yakima County $356,362 $685,400 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 2021, the maximum loan limit in Washington is $356,362 for a single-family home and $1,492,800 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