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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$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Asotin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Benton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chelan One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Clallam One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clark One Family$679,650 Two Family$870,050 Three Family$1,051,700 Four Family$1,307,050
Columbia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cowlitz One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Douglas One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Ferry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Garfield One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grant One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grays Harbor One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Island One Family$575,000 Two Family$736,100 Three Family$889,800 Four Family$1,105,800
Jefferson One Family$517,500 Two Family$662,500 Three Family$800,800 Four Family$995,200
King One Family$977,500 Two Family$1,251,400 Three Family$1,512,650 Four Family$1,879,850
Kitsap One Family$563,500 Two Family$721,400 Three Family$872,000 Four Family$1,083,650
Kittitas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Klickitat One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lewis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mason One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Okanogan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pacific One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pend Oreille One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pierce One Family$977,500 Two Family$1,251,400 Three Family$1,512,650 Four Family$1,879,850
San Juan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Skagit One Family$545,100 Two Family$697,800 Three Family$843,500 Four Family$1,048,300
Skamania One Family$679,650 Two Family$870,050 Three Family$1,051,700 Four Family$1,307,050
Snohomish One Family$977,500 Two Family$1,251,400 Three Family$1,512,650 Four Family$1,879,850
Spokane One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stevens One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Thurston One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Wahkiakum One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Walla Walla One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Whatcom One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Whitman One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Yakima One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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