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Is this the year that a reverse mortgage or HECM is right for you -- or your parents? Read our comprehensive guide to HECMs and RMs.

Is this the year that a reverse mortgage or HECM is right for you -- or your parents? Read our comprehensive guide to HECMs and RMs.

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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

2020 FHA Loan Limits for Washington

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers 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.

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 2020 FHA Loan Limits for each county in Washington are below.

County NameOne FamilyTwo FamilyThree FamilyFour Family
AdamsOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AsotinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BentonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ChelanOne Family$345,000Two Family$441,650Three Family$533,850Four Family$663,450
ClallamOne Family$384,100Two Family$491,700Three Family$594,350Four Family$738,650
ClarkOne Family$491,050Two Family$628,600Three Family$759,850Four Family$944,350
ColumbiaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CowlitzOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
DouglasOne Family$345,000Two Family$441,650Three Family$533,850Four Family$663,450
FerryOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FranklinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GarfieldOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GrantOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
Grays HarborOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
IslandOne Family$393,300Two Family$503,500Three Family$608,600Four Family$756,350
JeffersonOne Family$351,900Two Family$450,500Three Family$544,550Four Family$676,750
KingOne Family$741,750Two Family$949,600Three Family$147,800Four Family$1,426,450
KitsapOne Family$395,600Two Family$506,450Three Family$612,150Four Family$760,750
KittitasOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
KlickitatOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LewisOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LincolnOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MasonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OkanoganOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PacificOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
Pend OreilleOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PierceOne Family$741,750Two Family$949,600Three Family$147,800Four Family$1,426,450
San JuanOne Family$497,950Two Family$637,450Three Family$770,550Four Family$957,600
SkagitOne Family$373,750Two Family$478,450Three Family$578,350Four Family$718,750
SkamaniaOne Family$491,050Two Family$628,600Three Family$759,850Four Family$944,350
SnohomishOne Family$741,750Two Family$949,600Three Family$147,800Four Family$1,426,450
SpokaneOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
StevensOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ThurstonOne Family$370,300Two Family$474,050Three Family$573,000Four Family$712,100
WahkiakumOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
Walla WallaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WhatcomOne Family$411,700Two Family$527,050Three Family$637,050Four Family$791,750
WhitmanOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
YakimaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
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