Adams County (Othello, Ritzville, Washtucna)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Asotin County (Clarkston, Asotin, Anatone)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Benton County (Kennewick, Richland, West Richland, Prosser)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Chelan County (Wenatchee, Leavenworth, Chelan, Cashmere)
1-Unit: $586,500 | 2-Unit: $750,800
3-Unit: $907,550 | 4-Unit: $1,127,900
Clallam County (Port Angeles, Sequim, Forks)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Clark County (Vancouver, Camas, Battle Ground, Ridgefield, Washougal)
1-Unit: $701,500 | 2-Unit: $898,050
3-Unit: $1,085,550 | 4-Unit: $1,349,050
Columbia County (Dayton, Starbuck)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Cowlitz County (Longview, Kelso, Woodland, Castle Rock)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Douglas County (East Wenatchee, Waterville, Rock Island)
1-Unit: $586,500 | 2-Unit: $750,800
3-Unit: $907,550 | 4-Unit: $1,127,900
Ferry County (Republic, Curlew, Danville)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Franklin County (Pasco, Connell, Kahlotus)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Garfield County (Pomeroy)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Grant County (Moses Lake, Ephrata, Quincy, Soap Lake)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Grays Harbor County (Aberdeen, Hoquiam, Ocean Shores, Elma)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Island County (Oak Harbor, Coupeville, Langley)
1-Unit: $671,600 | 2-Unit: $859,750
3-Unit: $1,039,250 | 4-Unit: $1,291,550
Jefferson County (Port Townsend, Port Hadlock, Port Ludlow)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
King County (Seattle, Bellevue, Kent, Renton, Kirkland)
1-Unit: $1,063,750 | 2-Unit: $1,361,800
3-Unit: $1,646,100 | 4-Unit: $2,045,700
Kitsap County (Bremerton, Silverdale, Bainbridge Island, Poulsbo)
1-Unit: $616,400 | 2-Unit: $789,100
3-Unit: $953,850 | 4-Unit: $1,185,400
Kittitas County (Ellensburg, Cle Elum, Kittitas)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Klickitat County (Goldendale, White Salmon, Bingen)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Lewis County (Centralia, Chehalis, Morton)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Lincoln County (Davenport, Odessa, Wilbur)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Mason County (Shelton, Belfair, Hoodsport)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Okanogan County (Omak, Okanogan, Tonasket)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Pacific County (Long Beach, Raymond, Ilwaco)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Pend Oreille County (Newport, Cusick, Ione)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Pierce County (Tacoma, Puyallup, Lakewood, University Place)
1-Unit: $1,063,750 | 2-Unit: $1,361,800
3-Unit: $1,646,100 | 4-Unit: $2,045,700
San Juan County (Friday Harbor, Eastsound, Lopez Village)
1-Unit: $680,800 | 2-Unit: $871,550
3-Unit: $1,053,500 | 4-Unit: $1,309,250
Skagit County (Mount Vernon, Burlington, Anacortes)
1-Unit: $621,000 | 2-Unit: $795,000
3-Unit: $960,950 | 4-Unit: $1,194,250
Skamania County (Stevenson, Carson, North Bonneville)
1-Unit: $701,500 | 2-Unit: $898,050
3-Unit: $1,085,550 | 4-Unit: $1,349,050
Snohomish County (Everett, Marysville, Lynnwood, Edmonds)
1-Unit: $1,063,750 | 2-Unit: $1,361,800
3-Unit: $1,646,100 | 4-Unit: $2,045,700
Spokane County (Spokane, Spokane Valley, Cheney, Airway Heights)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Stevens County (Colville, Chewelah, Kettle Falls)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Thurston County (Olympia, Lacey, Tumwater)
1-Unit: $586,500 | 2-Unit: $750,800
3-Unit: $907,550 | 4-Unit: $1,127,900
Wahkiakum County (Cathlamet)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Walla Walla County (Walla Walla, College Place, Touchet)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
Whatcom County (Bellingham, Ferndale, Lynden)
1-Unit: $664,700 | 2-Unit: $850,950
3-Unit: $1,028,600 | 4-Unit: $1,278,300
Whitman County (Pullman, Colfax, Palouse)
1-Unit: $579,600 | 2-Unit: $742,000
3-Unit: $896,900 | 4-Unit: $1,114,650
Yakima County (Yakima, Sunnyside, Grandview, Selah)
1-Unit: $541,287 | 2-Unit: $693,050
3-Unit: $837,700 | 4-Unit: $1,041,125
For 2026, FHA loan limits in Washington state range from $541,287 to $1,063,750 for a single-family home, depending on the county. Most counties use the standard floor of $541,287. High-cost counties like King, Pierce, and Snohomish have a higher limit of $1,063,750 to reflect elevated home prices in the Seattle metro area. Limits are higher for multi-unit properties, reaching $1,041,125 for a four-unit property in standard-cost counties and $2,045,700 in high-cost counties. HUD updates these limits annually based on median home prices.
In King County, the 2026 FHA loan limit for a single-family home is $1,063,750. For multi-unit properties, the Washington FHA loan limits in King County are $1,361,800 for a two-unit property, $1,646,100 for a three-unit property, and $2,045,700 for a four-unit property. Pierce and Snohomish counties share these same limits because all three fall within the Seattle-Tacoma-Bellevue metro area. These are the highest FHA limits available in Washington state.
FHA loan limits in Washington are based on median home prices in each county. Counties with higher home values receive higher limits, while counties with lower housing costs use the national floor. Contact us, and we’ll help you understand how the limits in your target county affect your buying power.
FHA property requirements are the same regardless of whether you’re buying in a high-cost or low-cost area of Washington state. Every FHA loan requires an appraisal by a HUD-approved appraiser that serves two purposes: determining the property’s market value and confirming that the property meets minimum safety, security, and structural soundness standards.
The home must be your primary residence and have functional heating, plumbing, and electrical systems, a sound roof with at least two years of life remaining, safe access, and no significant health hazards. Homes built before 1978 with peeling or chipping paint may not pass the appraisal due to lead-based paint concerns. The key difference in high-cost areas is that homes tend to be more expensive, so buyers should confirm that the purchase price falls within their county’s FHA loan limit before making an offer.
FHA down payment rules are set at the federal level and apply the same way across all Washington counties. Borrowers with a credit score of 580 or higher can put down as little as 3.5% of the purchase price. Borrowers with scores between 500 and 579 are required to make a 10% down payment. That 3.5% can come from your own savings, gift funds from a family member, or an approved down payment assistance program.
In Washington, down payment assistance programs like WSHFC Home Advantage and House Key Opportunity can help cover part or all of the down payment on an FHA loan. We can walk you through pairing an FHA loan in Washington state with the right assistance program.
FHA loan limits in Washington state determine the maximum amount you can borrow with an FHA loan in a given county. If the home you want to buy exceeds your county’s limit, you won’t be able to use FHA financing for that purchase. You’d need to consider a conventional loan, a jumbo loan, or a larger down payment to bring the loan amount under the cap. Understanding your county’s FHA loan limit before you start shopping helps you search within a realistic price range.
Yes. If you currently have an FHA loan in Washington, you may qualify for an FHA Streamline Refinance, which simplifies the process by reducing documentation requirements. You’ll need to demonstrate a real benefit from refinancing, typically through a lower interest rate, and you must have had your current loan for at least six months. The refinanced loan still needs to fall within your county’s current FHA loan limits.
If you want to access your home’s equity, an FHA cash-out refinance is also available, though it requires a new appraisal and full underwriting. Washington state FHA loan rates change daily based on market conditions, your credit profile, and your loan details. Contact us for a current rate quote.
Getting a mortgage loan through the FHA follows a clear process. First, get pre-approved with an FHA-approved lender, such as NW Capital Mortgage. We’ll review your income, credit, and debt to determine how much you can borrow within your county’s FHA loan limits. Second, complete your home search and make an offer within the FHA limit for your target county. Third, a HUD-approved appraiser will evaluate the property to confirm its value and verify that it meets the FHA’s minimum property standards. Finally, as your lender, we complete underwriting, and you proceed to closing.
The entire process typically takes three to six weeks, depending on your situation and how quickly documentation is provided. We guide you through every step.
In Clark County, WA, the 2026 FHA loan limit for a single-family home is $701,500. For multi-unit properties, the Washington FHA loan limits in Clark County are $898,050 for a two-unit property, $1,085,550 for a three-unit property, and $1,349,050 for a four-unit property.