2021 FHA Loan Limits for Washington State

FHA mortgages allow for minimum down payment and do not have income limits. FHA tends to have a little more flexible underwriting than conventional mortgages.

Here is a complete list of the 2021 FHA loan limits for homes located in Washington state:

Chelan County

  • 1 Unit: $371,450
  • 2 Unit: $475,500
  • 3 Unit: $574,800
  • 4 Unit: $714,350

Clallam County

  • 1 Unit: $384,100
  • 2 Unit: $491,700
  • 3 Unit: $594,350
  • 4 Unit: $738,650

Clark County

  • 1 Unit: $517,500
  • 2 Unit: $662,500
  • 3 Unit: $800,800
  • 4 Unit: $995,200

Douglas County

  • 1 Unit: $371,450
  • 2 Unit: $475,500
  • 3 Unit: $574,800
  • 4 Unit: $714,350

Island County

  • 1 Unit: $431,250
  • 2 Unit: $552,050
  • 3 Unit: $667,350
  • 4 Unit: $829,350

King County

  • 1 Unit: $776,250
  • 2 Unit: $993,750
  • 3 Unit: $1,201,200
  • 4 Unit: $1,492,800

Kitsap County

  • 1 Unit: $435,850
  • 2 Unit: $557,950
  • 3 Unit: $674,450
  • 4 Unit: $838,200

Pierce County

  • 1 Unit: $776,250
  • 2 Unit: $993,750
  • 3 Unit: $1,201,200
  • 4 Unit: $1,492,800

San Juan County

  • 1 Unit: $497,950
  • 2 Unit: $637,450
  • 3 Unit: $770,550
  • 4 Unit: $957,600

Skagit County

  • 1 Unit: $405,950
  • 2 Unit: $519,700
  • 3 Unit: $628,200
  • 4 Unit: $780,650

Skamania County

  • 1 Unit: $517,500
  • 2 Unit: $662,500
  • 3 Unit: $800,800
  • 4 Unit: $995,200

Snohomish County

  • 1 Unit: $776,250
  • 2 Unit: $993,750
  • 3 Unit: $1,201,200
  • 4 Unit: $1,492,800

Thurston County

  • 1 Unit: $405,950
  • 2 Unit: $519,700
  • 3 Unit: $628,200
  • 4 Unit: $780,650

Whatcom County

  • 1 Unit: $442,750
  • 2 Unit: $566,800
  • 3 Unit: $685,100
  • 4 Unit: $851,450

All other counties in Washington state not listed above, including: Adams, Asotin, Benton, Columbia, Cowlitz, Ferry, Franklin, Garfield, Grant, Grays Harbor, Jefferson, Kittitas, Klickitat, Lewis, Lincoln,  Mason, Okanogan, Pacific, Pend Oreille, Spokane, Stevens, Wahkiakum, Walla Walla, Whitman, and Yakima

  • 1 Unit: $356,362
  • 2 Unit: $456,275
  • 3 Unit: $551,500
  • 4 Unit: $685,400

I have been helping Washington state home owners with FHA mortgages at Mortgage Master Service Corporation since 2000. If I can help you with your mortgage needs for a home located anywhere in Washington state, please contact me!

Breaking News: 2021 FHA Loan Limits for King, Snohomish and Pierce Counties

HUD has announced 2021 loan limits for FHA mortgages. Like conforming mortgages, the loan limits will increase in 2021. Here are the limits for homes located in King, Pierce and Snohomish Counties.

  • 1 Unit: $776,250
  • 2 Unit: $993,750
  • 3 Unit: $1,201,200
  • 4 Unit: $1,492,800

Click here for a complete list of 2021 FHA loan limits for homes located in Washington state.

If you are considering buying or refinancing your Washington state home, I’m happy to help you!

2021 Conforming Loan Limits for Washington

Conforming loan limits are increasing again this year with the “base” loan limit for a single family home raised to $548,250.

Conforming high balance areas for King, Snohomish and Pierce counties have have higher limits for 2021 as well.

King County, Snohomish County and Pierce County:

  • One Unit: $776,250
  • Two Unit: $993,750
  • Three Unit: $1,201,200
  • Four Unit: $1,492,800

Adams, Asotin, Benton, Chelan, Clallam, Clark, Columbia, Cowlitz, Douglas, Ferry, Franklin, Garfield, Grant, Grays Harbor, Island, Jefferson, Kitsap, Kittatas, Klickitat, Lewis, Mason, Okanogan, Pacific, Pend Oreille, San Juan, Skagit, Skamania, Spokane, Stevens, Thurston, Wahkiakum, Walla Walla, Whatcom, Whitman and Yakima Counties:

  • One Unit: $548,250
  • Two Unit: $702,000
  • Three Unit: $848,500
  • Four Unit: $1,054,500

I have been helping people refinance and buy homes in Washington state since 2000 at Mortgage Master Service Corporation. If I can help you with your mortgage needs, please contact me.

Breaking News: 2021 Conforming Loan Limits Increased to $548,250

The Federal Housing Finance Agency has just announced the 2021 conforming loan limits for a single family dwelling will increase to $548,250. This is a jump higher from 2020’s limit of $510,400.

This amount is considered the base loan limit. Homes located in designated high cost areas, like King County, Pierce County and Snohomish County, will have a “high balance” conforming loan limit of $776,250.

Click here for a complete list of Washington state counties and their 2021 conforming loan limits.

I will let you know when FHA and VA announce 2021 loan limits.