Washington FHA Loans 2026
FHA loans offer Washington homebuyers a path to homeownership with just 3.5% down payment and flexible credit requirements. With loan limits up to $1,063,750 in the Seattle metro, FHA financing works for first-time buyers throughout the Evergreen State.
Washington FHA Loan Limits by County (2026)
FHA loan limits in Washington vary by county. The Seattle-Tacoma-Bellevue metro area (King, Snohomish, Pierce) qualifies for high-cost limits, while Eastern Washington uses standard limits.
| County / Metro Area | 2026 FHA Limit | Classification |
|---|---|---|
King (Seattle) | $1,063,750 | High-Cost |
Snohomish (Everett) | $1,063,750 | High-Cost |
Pierce (Tacoma) | $1,063,750 | High-Cost |
San Juan | $680,800 | High-Cost |
Clark (Vancouver) | $701,500 | High-Cost |
Spokane | $541,287 | Standard |
Thurston (Olympia) | $586,500 | High-Cost |
Kitsap (Bremerton) | $616,400 | High-Cost |
Benton (Tri-Cities) | $541,287 | Standard |
Whatcom (Bellingham) | $664,700 | High-Cost |
Verified as of July 2026 (FHFA/HUD)
Note: FHA loan limits are set by HUD and updated annually. The limits shown are for single-family residences. Higher limits apply for 2-4 unit properties. Learn more about FHA loan requirements →
Why Washington Buyers Choose FHA Loans
Low Down Payment
Just 3.5% down with 580+ credit score. On a $500,000 Seattle-area home, that's only $17,500 down vs. $100,000 for conventional 20%.
Flexible Credit
FHA is more forgiving of past credit issues. Perfect for Seattle tech workers with student loans or anyone rebuilding credit.
Higher DTI Allowed
FHA allows debt-to-income ratios up to 50% with compensating factors, helping Washington buyers with student loans or car payments qualify.
No Income Tax Boost
Washington's no state income tax means more of your paycheck qualifies for your mortgage, increasing buying power by $50K-$100K+.
Gift Funds OK
100% of your down payment can come from family gift funds. Great for first-gen buyers getting help from parents.
WSHFC Compatible
Combine FHA with WSHFC Home Advantage for up to $10,000 in down payment assistance. Stack programs for maximum savings.
Washington Down Payment Assistance for FHA Buyers
These programs can be combined with FHA loans to reduce your out-of-pocket costs
0% deferred second mortgage with no monthly payments. Repay only when you sell, refinance, or pay off first mortgage. Works with FHA loans.
- 620+ credit score required
- Income limits vary by county
- First-time and repeat buyers
Specifically designed to pair with FHA, VA, USDA, or conventional. 0% interest deferred until sale or refinance.
- First-time buyer requirement
- Homebuyer education required
- County income limits apply
City of Seattle program for income-qualified buyers. Substantial assistance for buying within Seattle city limits.
- Income up to 80% AMI
- Can combine with WSHFC
- Seattle properties only
City of Tacoma offers down payment and closing cost assistance for buyers purchasing within city limits.
- Income qualified
- Forgivable after 5 years
- FHA compatible
Washington FHA Loan FAQs
What is the FHA loan limit in King County (Seattle)?
The 2026 FHA loan limit for King County is $1,063,750 for single-family homes. This applies to the entire Seattle-Tacoma-Bellevue metro including Snohomish and Pierce counties.
Can I buy a condo with an FHA loan in Seattle?
Yes, but the condo must be on FHA's approved list or receive "spot approval." Many Seattle condos qualify. We verify approval status before you make an offer.
How much is FHA mortgage insurance in Washington?
FHA MIP includes 1.75% upfront (can be financed) plus 0.55% annually for most loans. On a $500,000 loan, expect ~$230/month in mortgage insurance.
Can I use FHA for a duplex in Washington?
Yes! FHA allows financing for 2-4 unit properties if you live in one unit. The loan limit for a duplex in King County is $1,251,150 for 2026.
Is FHA good for Seattle's expensive market?
FHA works well in Seattle suburbs like Auburn, Kent, and Tacoma where prices are lower. In core Seattle, the $1,063,750 limit may restrict options, but condos and townhomes often qualify.
Get Your FHA Quote
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From the blog & learning center
FHA Loan Guides & Articles
Gift Funds: The Rules for Down Payment Gifts
A family member can give you money for your down payment, and on most loan types the entire down payment can be a gift. The key rules: it has to be a true gift with no repayment expected, it must come from an acceptable source, and it has to be documented with a gift letter and a clear paper trail.
Read moreSeller Concessions: How Much Can the Seller Pay?
A seller concession is when the seller agrees to pay part of your closing costs as a term of the sale. It's a legitimate, common way to reduce your cash to close, and depending on the loan type and your down payment, a seller can contribute anywhere from 2% to 9% of the purchase price toward your costs.
Read moreWhat Credit Score Do You Need for Each Loan Type?
The minimum credit score depends entirely on the loan program: FHA goes as low as 500-580, VA and USDA have no federal minimum (lenders typically want 580-640), conventional generally starts around 620, and jumbo loans want 700 or higher. Here's the breakdown by program.
Read more
How to Buy a House With Bad Credit
You can buy a house with bad credit, it just takes the right loan program and some strategy. FHA loans accept scores as low as 500, and there are concrete steps to strengthen your application even when your credit isn't where you'd like it.
Read more
FHA Loans Plus a Down Payment Grant: How Little You Can Actually Bring to Closing
Combining an FHA loan with a down payment assistance grant can reduce what you bring to closing to as little as 0% to 1% of the purchase price, nationwide, not just in select states.
Read more
Can I buy a house after a recent late payment, collection, or charge-off?
Yes, you can often buy a home soon after a late payment, a collection, or a charge-off, as long as the rest of your file is strong and you can explain the event, because none of these carry a fixed waiting period the way a bankruptcy or foreclosure does.
Read more