2019 FHA Loan Limits in Washington

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Updated on Friday, April 5, 2019

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Washington is a fantastic state to enjoy natural surroundings like mountains and miles of coastline. If you prefer city life, it’s also home to the bustling metropolis of Seattle. If you’re interested in buying a home in Washington but don’t think you qualify for a conventional mortgage, you might want to consider applying for a loan insured by the Federal Housing Administration (FHA).

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FHA loans have perks, including low credit score and down payment requirements. But they also have limits on the amount you can borrow. An FHA loan limit is the maximum mortgage amount that the FHA will ensure.

Loan limits change every year to adjust for the price of housing in every county. Most of Washington is at the 2019 national FHA loan limit of $314,827. Some of the more expensive areas in Washington have higher loan limits. The areas that border on Portland, Ore., have a loan limit of $474,950. The Seattle area has the highest limit in the state, which is also the highest that the FHA will back: $726,525.

Washington FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ADAMS$314,827 $403,125 $487,250 $605,525 $150,000
ASOTIN$314,827 $403,125 $487,250 $605,525 $215,000
BENTON$314,827 $403,125 $487,250 $605,525 $257,000
CHELAN$342,700 $438,700 $530,300 $659,050 $286,000
CLALLAM$384,100 $491,700 $594,350 $738,650 $250,000
CLARK$474,950 $608,000 $734,950 $913,350 $413,000
COLUMBIA$314,827 $403,125 $487,250 $605,525 $240,000
COWLITZ$314,827 $403,125 $487,250 $605,525 $221,000
DOUGLAS$342,700 $438,700 $530,300 $659,050 $286,000
FERRY$314,827 $403,125 $487,250 $605,525 $200,000
FRANKLIN$314,827 $403,125 $487,250 $605,525 $257,000
GARFIELD$314,827 $403,125 $487,250 $605,525 $168,000
GRANT$314,827 $403,125 $487,250 $605,525 $165,000
GRAYS HARBOR$314,827 $403,125 $487,250 $605,525 $158,000
ISLAND$379,500 $485,800 $587,250 $729,800 $330,000
JEFFERSON$322,000 $412,200 $498,250 $619,250 $276,000
KING$726,525 $930,300 $1,124,475 $1,397,400 $641,000
KITSAP$363,400 $465,200 $562,350 $698,850 $316,000
KITTITAS$314,827 $403,125 $487,250 $605,525 $256,000
KLICKITAT$314,827 $403,125 $487,250 $605,525 $240,000
LEWIS$314,827 $403,125 $487,250 $605,525 $179,000
LINCOLN$314,827 $403,125 $487,250 $605,525 $176,000
MASON$314,827 $403,125 $487,250 $605,525 $210,000
OKANOGAN$314,827 $403,125 $487,250 $605,525 $160,000
PACIFIC$314,827 $403,125 $487,250 $605,525 $112,000
PEND OREILLE$314,827 $403,125 $487,250 $605,525 $226,000
PIERCE$726,525 $930,300 $1,124,475 $1,397,400 $641,000
SAN JUAN$483,000 $618,300 $747,400 $928,850 $366,000
SKAGIT$339,250 $434,300 $524,950 $652,400 $295,000
SKAMANIA$474,950 $608,000 $734,950 $913,350 $413,000
SNOHOMISH$726,525 $930,300 $1,124,475 $1,397,400 $641,000
SPOKANE$314,827 $403,125 $487,250 $605,525 $226,000
STEVENS$314,827 $403,125 $487,250 $605,525 $226,000
THURSTON$336,950 $431,350 $521,400 $648,000 $293,000
WAHKIAKUM$314,827 $403,125 $487,250 $605,525 $170,000
WALLA WALLA$314,827 $403,125 $487,250 $605,525 $240,000
WHATCOM$381,800 $488,750 $590,800 $734,250 $332,000
WHITMAN$314,827 $403,125 $487,250 $605,525 $228,000
YAKIMA$314,827 $403,125 $487,250 $605,525 $196,000

How are FHA loan limits determined?

FHA loans limits are based on the Freddie Mac and Fannie Mae conforming loan limits. The Federal Housing Finance Agency sets the loan limits, and for 2019, the conforming loan limits were increased by 6.9% to $484,350.

The FHA “floor” is set at 65% of the conforming loan limit, or $314,827. The floor represents the largest mortgage the FHA will back for single-family homes in low-cost areas. The FHA also provides a “ceiling” limit that relates to high-cost areas and is based on 150% of the conforming loan limit. The 2019 ceiling is set at $726,525, which is also the maximum limit for Washington.

Do you qualify for an FHA loan in Washington?

Almost one-fifth of all the mortgages (19.7%) originated in Washington are FHA loans. Whether an FHA loan is right for you, though, depends on your situation. FHA loans have a lower down payment requirement of 3.5%, making them an appealing option for many homebuyers.

Curious about whether an FHA loan is right for you? Check out MagnifyMoney’s guide to FHA loans for more specific information on what you need to qualify for an FHA loan.

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