skip to Main Content

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 2017 FHA loan limits for all counties in Washington State, and for all property types.

Washington State FHA Loan Limits 2017

Note: In the table below, “1-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 1-family column below.

CountyOne-FamilyTwo-FamilyThree-FamilyFour-Family
ADAMS$275,665$352,950$426,625$530,150
ASOTIN$275,665$352,950$426,625$530,150
BENTON$275,665$352,950$426,625$530,150
CHELAN$342,700$438,700$530,300$659,050
CLALLAM$384,100$491,700$594,350$738,650
CLARK$408,250$522,600$631,750$785,100
COLUMBIA$275,665$352,950$426,625$530,150
COWLITZ$275,665$352,950$426,625$530,150
DOUGLAS$342,700$438,700$530,300$659,050
FERRY$275,665$352,950$426,625$530,150
FRANKLIN$275,665$352,950$426,625$530,150
GARFIELD$275,665$352,950$426,625$530,150
GRANT$275,665$352,950$426,625$530,150
GRAYS HARBOR$275,665$352,950$426,625$530,150
ISLAND$327,750$419,550$507,150$630,300
JEFFERSON$322,000$412,200$498,250$619,250
KING$592,250$758,200$916,450$1,138,950
KITSAP$310,500$397,500$480,450$597,100
KITTITAS$275,665$352,950$426,625$530,150
KLICKITAT$275,665$352,950$426,625$530,150
LEWIS$275,665$352,950$426,625$530,150
LINCOLN$275,665$352,950$426,625$530,150
MASON$275,665$352,950$426,625$530,150
OKANOGAN$275,665$352,950$426,625$530,150
PACIFIC$275,665$352,950$426,625$530,150
PEND OREILLE$275,665$352,950$426,625$530,150
PIERCE$592,250$758,200$916,450$1,138,950
SAN JUAN$483,000$618,300$747,400$928,850
SKAGIT$315,100$403,350$487,600$605,950
SKAMANIA$408,250$522,600$631,750$785,100
SNOHOMISH$592,250$758,200$916,450$1,138,950
SPOKANE$275,665$352,950$426,625$530,150
STEVENS$275,665$352,950$426,625$530,150
THURSTON$297,850$381,300$460,900$572,800
WAHKIAKUM$275,665$352,950$426,625$530,150
WALLA WALLA$275,665$352,950$426,625$530,150
WHATCOM$320,850$410,750$496,500$617,000
WHITMAN$275,665$352,950$426,625$530,150
YAKIMA$275,665$352,950$426,625$530,150

Rising Home Prices Bring Higher Limits

Each year, HUD reviews the FHA loan limits for counties across the country, and compares them to median home prices. Sometimes the limits are kept the same from one year to the next. But when home prices rise considerably over the course of a year, the FHA loan caps can be increased to keep up with appreciation.

This is what happened from 2016 to 2017, for most counties in Washington State. On December 1, 2016, HUD announced it would increase the FHA loan limits for most counties across the country. According to a related press release: “In high-cost areas, the FHA national loan limit ‘ceiling’ will increase to $636,150 from $625,500. FHA will also increase its ‘floor’ to $275,665 from $271,050.”

This comes in response to rising home values. In Washington State, home prices rose steadily during 2016. According to Zillow, the median home price for the state rose by around 11% during 2016. As a result, FHA loan limits for Washington State will go up in 2017, for most counties. 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 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 loan in Washington State, or if you just have questions about the program, please contact us today. We can help you choose the right type of loan for your particular needs.

Back To Top