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Washington State 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Washington State

Washington has 39 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Adams County to a high of $1,994,850 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 ($1,008,300) †
Highest Loan Limit ($1,994,850)

† 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 $524,225 $1,008,300 view details »
Asotin County $524,225 $1,008,300 view details »
Benton County $524,225 $1,008,300 view details »
Chelan County $546,250 $1,050,500 view details »
Clallam County $524,225 $1,008,300 view details »
Clark County $695,750 $1,338,000 view details »
Columbia County $524,225 $1,008,300 view details »
Cowlitz County $524,225 $1,008,300 view details »
Douglas County $546,250 $1,050,500 view details »
Ferry County $524,225 $1,008,300 view details »
Franklin County $524,225 $1,008,300 view details »
Garfield County $524,225 $1,008,300 view details »
Grant County $524,225 $1,008,300 view details »
Grays Harbor County $524,225 $1,008,300 view details »
Island County $603,750 $1,161,050 view details »
Jefferson County $524,225 $1,008,300 view details »
King County $1,037,300 $1,994,850 view details »
Kitsap County $575,000 $1,105,800 view details »
Kittitas County $524,225 $1,008,300 view details »
Klickitat County $524,225 $1,008,300 view details »
Lewis County $524,225 $1,008,300 view details »
Lincoln County $524,225 $1,008,300 view details »
Mason County $524,225 $1,008,300 view details »
Okanogan County $524,225 $1,008,300 view details »
Pacific County $524,225 $1,008,300 view details »
Pend Oreille County $524,225 $1,008,300 view details »
Pierce County $1,037,300 $1,994,850 view details »
San Juan County $524,225 $1,008,300 view details »
Skagit County $563,500 $1,083,650 view details »
Skamania County $695,750 $1,338,000 view details »
Snohomish County $1,037,300 $1,994,850 view details »
Spokane County $524,225 $1,008,300 view details »
Stevens County $524,225 $1,008,300 view details »
Thurston County $557,750 $1,072,600 view details »
Wahkiakum County $524,225 $1,008,300 view details »
Walla Walla County $524,225 $1,008,300 view details »
Whatcom County $632,500 $1,216,350 view details »
Whitman County $579,600 $1,114,650 view details »
Yakima County $524,225 $1,008,300 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 2025, the maximum loan limit in Washington is $524,225 for a single-family home and $1,994,850 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.


RELATED LINKS 
FHA Appraisers in Washington
FHA Inspectors in Washington
FHA Condos in Washington
FHA Lenders in Washington

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