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Summary: FHA loan limits for 2020 for Washington state have recently been released. What are these new numbers, and how do they affect you? This article will address these questions.

Washington State FHA loan limits are established by the Department of Housing and Urban Development (HUD) and revised every year. Below, you will find the 2020 FHA loan limits for all counties in Washington State, and for all property types. They were increased from 2019 to 2020, in response to rising home prices.

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Washington State FHA Loan Limits 2020

Note: In the table below, “one-family” refers to a single-family home or condo. Two-family refers to a duplex-style property with two separate residents, and so on.

If you’re buying a single-family home to serve as your primary residence, refer to the one-family column below.

County Name1-Unit2-Unit3-Unit4-Unit
ADAMS$331,760$424,800$513,450$638,100
ASOTIN$331,760$424,800$513,450$638,100
BENTON$331,760$424,800$513,450$638,100
CHELAN$345,000$441,650$533,850$663,450
CLALLAM$384,100$491,700$594,350$738,650
CLARK$491,050$628,600$759,850$944,350
COLUMBIA$331,760$424,800$513,450$638,100
COWLITZ$331,760$424,800$513,450$638,100
DOUGLAS$345,000$441,650$533,850$663,450
FERRY$331,760$424,800$513,450$638,100
FRANKLIN$331,760$424,800$513,450$638,100
GARFIELD$331,760$424,800$513,450$638,100
GRANT$331,760$424,800$513,450$638,100
GRAYS HARBOR$331,760$424,800$513,450$638,100
ISLAND$393,300$503,500$608,600$756,350
JEFFERSON$351,900$450,500$544,550$676,750
KING$741,750$949,600$1,147,800$1,426,450
KITSAP$395,600$506,450$612,150$760,750
KITTITAS$331,760$424,800$513,450$638,100
KLICKITAT$331,760$424,800$513,450$638,100
LEWIS$331,760$424,800$513,450$638,100
LINCOLN$331,760$424,800$513,450$638,100
MASON$331,760$424,800$513,450$638,100
OKANOGAN$331,760$424,800$513,450$638,100
PACIFIC$331,760$424,800$513,450$638,100
PEND OREILLE$331,760$424,800$513,450$638,100
PIERCE$741,750$949,600$1,147,800$1,426,450
SAN JUAN$497,950$637,450$770,550$957,600
SKAGIT$373,750$478,450$578,350$718,750
SKAMANIA$491,050$628,600$759,850$944,350
SNOHOMISH$741,750$949,600$1,147,800$1,426,450
SPOKANE$331,760$424,800$513,450$638,100
STEVENS$331,760$424,800$513,450$638,100
THURSTON$370,300$474,050$573,000$712,100
WAHKIAKUM$331,760$424,800$513,450$638,100
WALLA WALLA$331,760$424,800$513,450$638,100
WHATCOM$411,700$527,050$637,050$791,750
WHITMAN$331,760$424,800$513,450$638,100
YAKIMA$331,760$424,800$513,450$638,100

View WA State Mortgage Rates Mar, 30, Mon, 2020

Rising Home Prices Bring Higher Limits

Each year, the Department of Housing and Urban Development reviews the FHA loan limits for counties across the country and compares them to median home prices. Sometimes the limits are increased from one year to the next, to keep up with home price appreciation. That’s what happened from 2019 to 2020 with FHA loan limits in Washington State.

In December 2019, the HUD announced that it would be increasing Washington FHA loan limits for 2020.

These changes are a direct response to the significant home-price gains that occurred during 2019. In Washington State, house values have risen steadily in recent years. According to the real estate information company Zillow, the median home price for the state rose by 4.8% from December 2018 to December 2019 to $395,500. That’s about the same as the national average. As a result, FHA loan limits for Washington State will go up in 2020.

Want to Apply for the Program?

The Federal Housing Administration’s loan program offers unique benefits, including a low down payment of only 3.5%. This Washington FHA loan program is particularly popular with first-time home buyers who lack the funds for a larger down payment (though it’s not limited to that group).

If you’re in the market for an FHA home loan in 2020, or if you just have questions regarding FHA loan limits in Washington, please contact us today. We can help you choose the right type of loan for your particular needs.

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Sammamish Mortgage is a local mortgage company serving the broader Pacific Northwest region, including Washington state, Idaho, Colorado, and Oregon. We are proud to offer a wide variety of mortgage programs and products with flexible qualification criteria. Please contact us if you have any questions or are ready to apply for a home loan.

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