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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in WA- Washington FHA Mortgage

Washington Mortgages

2024 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 2024 FHA loan limits for each county in Washington are below.

Select County
County Name One Family Two Family Three Family Four Family
Adams One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Asotin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Benton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chelan One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Clallam One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clark One Family$695,750 Two Family$890,700 Three Family$1,076,650 Four Family$1,338,000
Columbia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cowlitz One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Douglas One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Ferry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Garfield One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grant One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grays Harbor One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Island One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
King One Family$1,037,300 Two Family$1,327,950 Three Family$1,605,200 Four Family$1,994,850
Kitsap One Family$575,000 Two Family$736,100 Three Family$889,800 Four Family$1,105,800
Kittitas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Klickitat One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lewis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mason One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Okanogan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pacific One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pend Oreille One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pierce One Family$1,037,300 Two Family$1,327,950 Three Family$1,605,200 Four Family$1,994,850
San Juan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Skagit One Family$563,500 Two Family$721,400 Three Family$872,000 Four Family$1,083,650
Skamania One Family$695,750 Two Family$890,700 Three Family$1,076,650 Four Family$1,338,000
Snohomish One Family$1,037,300 Two Family$1,327,950 Three Family$1,605,200 Four Family$1,994,850
Spokane One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stevens One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Thurston One Family$557,750 Two Family$714,000 Three Family$863,100 Four Family$1,072,600
Wahkiakum One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Walla Walla One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Whatcom One Family$632,500 Two Family$809,700 Three Family$978,750 Four Family$1,216,350
Whitman One Family$579,600 Two Family$742,000 Three Family$896,900 Four Family$1,114,650
Yakima One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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