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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

Current FHA Mortgage Rates in WA- Washington FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Washington Mortgages

2022 FHA Loan Limits for Washington

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2022 FHA loan limits for each county in Washington are below.

County Name One Family Two Family Three Family Four Family
Adams One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Asotin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Benton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chelan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clallam One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clark One Family$598,000 Two Family$765,550 Three Family$925,350 Four Family$1,150,000
Columbia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cowlitz One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Douglas One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ferry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Garfield One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Grant One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Grays Harbor One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Island One Family$511,750 Two Family$655,150 Three Family$791,900 Four Family$984,150
Jefferson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
King One Family$891,250 Two Family$1,140,950 Three Family$1,379,150 Four Family$1,713,950
Kitsap One Family$497,950 Two Family$637,450 Three Family$770,550 Four Family$957,600
Kittitas One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Klickitat One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lewis One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lincoln One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mason One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Okanogan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pacific One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pend Oreille One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pierce One Family$891,250 Two Family$1,140,950 Three Family$1,379,150 Four Family$1,713,950
San Juan One Family$497,950 Two Family$637,450 Three Family$770,550 Four Family$957,600
Skagit One Family$473,800 Two Family$606,550 Three Family$733,150 Four Family$911,150
Skamania One Family$598,000 Two Family$765,550 Three Family$925,350 Four Family$1,150,000
Snohomish One Family$891,250 Two Family$1,140,950 Three Family$1,379,150 Four Family$1,713,950
Spokane One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Stevens One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Thurston One Family$477,250 Two Family$610,950 Three Family$738,500 Four Family$917,800
Wahkiakum One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Walla Walla One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Whatcom One Family$514,050 Two Family$658,050 Three Family$795,450 Four Family$988,550
Whitman One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Yakima One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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