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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 2018 FHA loan limits for all counties in Washington State, and for all property types. They were increased from 2017 to 2018, in response to rising home prices.

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Washington State FHA Loan Limits 2018

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.

CountyOne-FamilyTwo-FamilyThree-FamilyFour-Family
ADAMS$294,515$377,075$455,800$566,425
ASOTIN$294,515$377,075$455,800$566,425
BENTON$294,515$377,075$455,800$566,425
CHELAN$342,700$438,700$530,300$659,050
CLALLAM$384,100$491,700$594,350$738,650
CLARK$448,500$574,150$694,000$862,500
COLUMBIA$294,515$377,075$455,800$566,425
COWLITZ$294,515$377,075$455,800$566,425
DOUGLAS$342,700$438,700$530,300$659,050
FERRY$294,515$377,075$455,800$566,425
FRANKLIN$294,515$377,075$455,800$566,425
GARFIELD$294,515$377,075$455,800$566,425
GRANT$294,515$377,075$455,800$566,425
GRAYS HARBOR$294,515$377,075$455,800$566,425
ISLAND$345,000$441,650$533,850$663,450
JEFFERSON$322,000$412,200$498,250$619,250
KING$667,000$853,900$1,032,150$1,282,700
KITSAP$330,050$422,500$510,700$634,700
KITTITAS$294,515$377,075$455,800$566,425
KLICKITAT$294,515$377,075$455,800$566,425
LEWIS$294,515$377,075$455,800$566,425
LINCOLN$294,515$377,075$455,800$566,425
MASON$294,515$377,075$455,800$566,425
OKANOGAN$294,515$377,075$455,800$566,425
PACIFIC$294,515$377,075$455,800$566,425
PEND OREILLE$294,515$377,075$455,800$566,425
PIERCE$667,000$853,900$1,032,150$1,282,700
SAN JUAN$483,000$618,300$747,400$928,850
SKAGIT$315,100$403,350$487,600$605,950
SKAMANIA$448,500$574,150$694,000$862,500
SNOHOMISH$667,000$853,900$1,032,150$1,282,700
SPOKANE$294,515$377,075$455,800$566,425
STEVENS$294,515$377,075$455,800$566,425
THURSTON$316,250$404,850$489,350$608,150
WAHKIAKUM$294,515$377,075$455,800$566,425
WALLA WALLA$294,515$377,075$455,800$566,425
WHATCOM$345,000$441,650$533,850$663,450
WHITMAN$294,515$377,075$455,800$566,425
YAKIMA$294,515$377,075$455,800$566,425

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 2017 to 2018, across Washington State.

On December 7, 2017, HUD announced that it would be increasing 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 2018, the maximum loan limits for FHA forward mortgages will rise in 3,011 counties. In 223 counties, FHA’s loan limits will remain unchanged.”

Here are the key changes being made for 2018:

  • The “floor” or baseline limit for most counties nationwide was increased from $275,665 to $294,515.
  • The “ceiling” for high-cost areas rose from $636,150 to $679,650.

(Note: The highest 2018 FHA loan limit for a single-family home in Washington State is $667,000, within the Seattle metro-area counties of King, Pierce and Snohomish.)

These changes are a direct response to the significant home-price gains that occurred during 2017. 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 10% from October 2016 to October 2017. That was well above the national average. As a result, FHA loan limits for Washington State will go up in 2018. 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 home loan in 2018, 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.

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