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2025 FHA Loan Limits in Washington

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The FHA program is a great option for homebuyers looking to secure an affordable mortgage. In Washington, the 2025 FHA loan limits for single-family homes in low- and high-cost areas are $524,225 and $1,037,300, respectively. Since these limits determine how much you can borrow for an FHA-backed mortgage, which can vary by county, understanding the updated limits and qualifications is important for those people looking to purchase homes in Washington’s diverse housing markets.

Washington FHA loan limits by county

Washington single-family FHA loan limits

County Name	One unit	Two units	Three units	Four units	Median sales price
ADAMS	$524,225	$671,200	$811,275	$1,008,300	$245,000
ASOTIN	$524,225	$671,200	$811,275	$1,008,300	$337,000
BENTON	$524,225	$671,200	$811,275	$1,008,300	$415,000
CHELAN	$546,250	$699,300	$845,300	$1,050,500	$475,000
CLALLAM	$524,225	$671,200	$811,275	$1,008,300	$425,000
CLARK	$695,750	$890,700	$1,076,650	$1,338,000	$605,000
COLUMBIA	$524,225	$671,200	$811,275	$1,008,300	$229,000
COWLITZ	$524,225	$671,200	$811,275	$1,008,300	$385,000
DOUGLAS	$546,250	$699,300	$845,300	$1,050,500	$475,000
FERRY	$524,225	$671,200	$811,275	$1,008,300	$95,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$415,000
GARFIELD	$524,225	$671,200	$811,275	$1,008,300	$262,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$310,000
GRAYS HARBOR	$524,225	$671,200	$811,275	$1,008,300	$302,000
ISLAND	$603,750	$772,900	$934,250	$1,161,050	$525,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$344,000
KING	$1,037,300	$1,327,950	$1,605,200	$1,994,850	$902,000
KITSAP	$575,000	$736,100	$889,800	$1,105,800	$500,000
KITTITAS	$524,225	$671,200	$811,275	$1,008,300	$448,000
KLICKITAT	$524,225	$671,200	$811,275	$1,008,300	$287,000
LEWIS	$524,225	$671,200	$811,275	$1,008,300	$365,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$320,000
MASON	$524,225	$671,200	$811,275	$1,008,300	$350,000
OKANOGAN	$524,225	$671,200	$811,275	$1,008,300	$235,000
PACIFIC	$524,225	$671,200	$811,275	$1,008,300	$249,000
PEND OREILLE	$524,225	$671,200	$811,275	$1,008,300	$200,000
PIERCE	$1,037,300	$1,327,950	$1,605,200	$1,994,850	$902,000
SAN JUAN	$524,225	$671,200	$811,275	$1,008,300	$395,000
SKAGIT	$563,500	$721,400	$872,000	$1,083,650	$490,000
SKAMANIA	$695,750	$890,700	$1,076,650	$1,338,000	$605,000
SNOHOMISH	$1,037,300	$1,327,950	$1,605,200	$1,994,850	$902,000
SPOKANE	$524,225	$671,200	$811,275	$1,008,300	$390,000
STEVENS	$524,225	$671,200	$811,275	$1,008,300	$390,000
THURSTON	$557,750	$714,000	$863,100	$1,072,600	$485,000
WAHKIAKUM	$524,225	$671,200	$811,275	$1,008,300	$289,000
WALLA WALLA	$524,225	$671,200	$811,275	$1,008,300	$387,000
WHATCOM	$632,500	$809,700	$978,750	$1,216,350	$550,000
WHITMAN	$579,600	$742,000	$896,900	$1,114,650	$504,000
YAKIMA	$524,225	$671,200	$811,275	$1,008,300	$324,000

How are FHA loan limits determined?

FHA loan limits are updated annually to comply with the National Housing Act (NHA). These limits are based on median home prices and equal a percentage of the national conforming loan limits.

The “floor” is the minimum limit, set at 65% of the national conforming loan limit, and applies to areas with lower home prices. The “ceiling,” or the maximum limit, is set at 150% of the national conforming limit for high-cost areas. In Washington, 2025 FHA limits are $524,255 for a single-family home in most counties and as high as $1,037,300 in other counties.

How to qualify for an FHA loan in Washington

FHA loans are an attractive choice for many homebuyers. With more relaxed requirements compared to conventional loans, many borrowers may find that an FHA loan fits their needs and financial situation.

To qualify for an FHA loan, several key requirements buyers must be meet:

Minimum credit score and down payment requirements: Buyers need a minimum credit score of 500 to qualify for an FHA loan. A 3.5% down payment requires a score of 580 or higher. Borrowers with a credit score between 500 and 579, however, will need to make a 10% down payment.
Income and employment: Applicants must prove they have had a stable work history and income for the last two years. Lenders may request W2s and pay stubs.
Debt-to-income ratio: Lenders use borrowers’ debt-to-income (DTI) ratio to determine whether they can afford the mortgage. A DTI ratio of 43% or lower is typically preferred, but this doesn’t mean you can’t get approved with a higher DTI.
Residency: The purchased home must be the owner’s primary residence for at least one year.
Home appraisal: An FHA appraisal is required for all properties to ensure they meet safety and value standards set by the FHA.
Cash reserves: Borrowers may be required to have cash reserves to cover at least one month’s mortgage payment. These reserves may include funds from checking or savings accounts, as well as sellable assets such as vehicles or stocks or cash from retirement or insurance accounts.
Mortgage insurance: Buyers must pay an upfront mortgage insurance premium (1.75%) and an annual premium, which ranges from 0.15% to 0.75%, depending on the loan amount. These premiums are typically added to the borrower’s monthly mortgage payment.

Buying a multifamily property with an FHA loan

To purchase a multifamily home with two to four units in Washington, buyers must meet the following FHA loan requirements:

The property must be owner-occupied, though units can be rented out. This allows buyers to use rental income to help pay the mortgage (often referred to as house hacking).
A minimum credit score of 500 or higher is required.
A down payment of at least 3.5% or 10% is required, depending on your credit score.
Proof of consistent, stable income from the past two years.
Borrowers must have cash reserves to cover at least three months of mortgage payments.
Upfront and annual mortgage insurance premiums.
The property must be appraised by an FHA-approved appraiser to ensure it meets FHA standards.