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View limits for: VA | FHA | conforming

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 2019 FHA loan limits for all counties in Washington State, and for all property types. They were increased from 2018 to 2019, in response to rising home prices.

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Washington State FHA Loan Limits 2019

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.

County1-Family2-Family3-Family4-Family
ADAMS$314,827$403,125$487,250$605,525
ASOTIN$314,827$403,125$487,250$605,525
BENTON$314,827$403,125$487,250$605,525
CHELAN$342,700$438,700$530,300$659,050
CLALLAM$384,100$491,700$594,350$738,650
CLARK$474,950$608,000$734,950$913,350
COLUMBIA$314,827$403,125$487,250$605,525
COWLITZ$314,827$403,125$487,250$605,525
DOUGLAS$342,700$438,700$530,300$659,050
FERRY$314,827$403,125$487,250$605,525
FRANKLIN$314,827$403,125$487,250$605,525
GARFIELD$314,827$403,125$487,250$605,525
GRANT$314,827$403,125$487,250$605,525
GRAYS HARBOR$314,827$403,125$487,250$605,525
ISLAND$379,500$485,800$587,250$729,800
JEFFERSON$322,000$412,200$498,250$619,250
KING$726,525$930,300$1,124,475$1,397,400
KITSAP$363,400$465,200$562,350$698,850
KITTITAS$314,827$403,125$487,250$605,525
KLICKITAT$314,827$403,125$487,250$605,525
LEWIS$314,827$403,125$487,250$605,525
LINCOLN$314,827$403,125$487,250$605,525
MASON$314,827$403,125$487,250$605,525
OKANOGAN$314,827$403,125$487,250$605,525
PACIFIC$314,827$403,125$487,250$605,525
PEND OREILLE$314,827$403,125$487,250$605,525
PIERCE$726,525$930,300$1,124,475$1,397,400
SAN JUAN$483,000$618,300$747,400$928,850
SKAGIT$339,250$434,300$524,950$652,400
SKAMANIA$474,950$608,000$734,950$913,350
SNOHOMISH$726,525$930,300$1,124,475$1,397,400
SPOKANE$314,827$403,125$487,250$605,525
STEVENS$314,827$403,125$487,250$605,525
THURSTON$336,950$431,350$521,400$648,000
WAHKIAKUM$314,827$403,125$487,250$605,525
WALLA WALLA$314,827$403,125$487,250$605,525
WHATCOM$381,800$488,750$590,800$734,250
WHITMAN$314,827$403,125$487,250$605,525
YAKIMA$314,827$403,125$487,250$605,525

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 2018 to 2019 with FHA loan limits in Washington State.

On December 14, 2018, HUD announced that it would be increasing Washington FHA loan limits for 2018. According to a related press release:

“Due to robust increases in median housing prices and required changes to FHA’s floor and ceiling limits, which are tied to the Federal Housing Finance Agency (FHFA)’s increase in the conventional mortgage loan limit for 2019, the maximum loan limits for FHA forward mortgages will rise in 3,053 counties. In 181 counties, FHA’s loan limits will remain unchanged.”

These changes are a direct response to the significant home-price gains that occurred during 2018. 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 around 8% from December 2017 to December 2018. That was well above the national average. As a result, FHA loan limits for Washington State will go up in 2019. The table above reflects these changes.

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).

Sammamish Mortgage offers FHA loans for borrowers across Washington State. We’ve been proudly serving the Pacific Northwest for more than 20 years. We are a family-owned and operated lender, offering highly competitive rates and great service.

If you’re in the market for an FHA home loan in 2019, 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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