FHA Loan Limits in Washington (2026)
For 2026, the FHA loan limit in most Washington counties is $541,287 for a single-family home. 3 higher-cost Washington counties carry larger limit, up to $1,249,125.
FHA loan limits by county in Washington
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| King County | $1,037,800 | $1,328,671 | $1,996,028 | High-cost |
| Pierce County | $977,500 | $1,251,470 | $1,880,051 | High-cost |
| Snohomish County | $1,037,800 | $1,328,671 | $1,996,028 | High-cost |
| Spokane County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clark County | $541,287 | $692,997 | $1,041,072 | Standard |
| Thurston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kitsap County | $541,287 | $692,997 | $1,041,072 | Standard |
| Yakima County | $541,287 | $692,997 | $1,041,072 | Standard |
| Skagit County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cowlitz County | $541,287 | $692,997 | $1,041,072 | Standard |
| Grant County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Island County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lewis County | $541,287 | $692,997 | $1,041,072 | Standard |
| Chelan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clallam County | $541,287 | $692,997 | $1,041,072 | Standard |
| Grays Harbor County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mason County | $541,287 | $692,997 | $1,041,072 | Standard |
| Walla Walla County | $541,287 | $692,997 | $1,041,072 | Standard |
| Whitman County | $541,287 | $692,997 | $1,041,072 | Standard |
| Whatcom County | $541,287 | $692,997 | $1,041,072 | Standard |
| Benton County | $541,287 | $692,997 | $1,041,072 | Standard |
Washington's median home price is roughly $610,000. 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 Washington
FHA loans are popular with first-time buyers in Washington 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 Washington for 2026?
- Most Washington counties use the national FHA floor of $541,287 for a one-unit home. High-cost Washington counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Washington?
- 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.