FHA Loan Limits in District of Columbia (2026)
For 2026, the FHA loan limit in most District of Columbia counties is $541,287 for a single-family home. District of Columbia has no designated high-cost counties, so the national floor applies statewide.
District of Columbia's median home price is roughly $635,000. With 3.5% down, an example FHA payment near that price is about $4,125/month including MIP, taxes, and insurance.
Buying with an FHA loan in District of Columbia
FHA loans are popular with first-time buyers in District of Columbia because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in District of Columbia for 2026?
- Most District of Columbia counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in District of Columbia?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.