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Visit Sammamish Mortgage To Find The 2025 Washington State FHA Loan Limits For All Property Types. Contact Us If You Have Questions Or Need Information.
2025 | King County | 1-Unit (Single Family)
* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020. Lenders may impose their own limits, however. Ask your lender about their maximum VA loan amount before applying.FHA loan limits for 2025 for Washington state have recently been released. What are these new numbers, and how do they affect you?
Washington State FHA loan limits are established by the Department of Housing and Urban Development (HUD) and revised every year. Below, you will find the 2025 FHA loan limits for all counties in Washington State, and for all property types. They were increased from 2024 to 2025 and range from $524,225 to a staggering $1,037,300.
Note: In the table below, “one-family” refers to a single-family home or condo. Two-family refers to a duplex-style property with two separate residents, and so on.
If you’re buying a single-family home to serve as your primary residence, refer to the one-family column below.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| ADAMS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ASOTIN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BENTON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CHELAN | $546,250 | $699,300 | $845,300 | $1,050,500 |
| CLALLAM | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CLARK | $695,750 | $890,700 | $1,076,650 | $1,338,000 |
| COLUMBIA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| COWLITZ | $524,225 | $671,200 | $811,275 | $1,008,300 |
| DOUGLAS | $546,250 | $699,300 | $845,300 | $1,050,500 |
| FERRY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| FRANKLIN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GARFIELD | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GRANT | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GRAYS HARBOR | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ISLAND | $603,750 | $772,900 | $934,250 | $1,161,050 |
| JEFFERSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| KING | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
| KITSAP | $575,000 | $736,100 | $889,800 | $1,105,800 |
| KITTITAS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| KLICKITAT | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LEWIS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LINCOLN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MASON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| OKANOGAN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| PACIFIC | $524,225 | $671,200 | $811,275 | $1,008,300 |
| PEND OREILLE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| PIERCE | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
| SAN JUAN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| SKAGIT | $563,500 | $721,400 | $872,000 | $1,083,650 |
| SKAMANIA | $695,750 | $890,700 | $1,076,650 | $1,338,000 |
| SNOHOMISH | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
| SPOKANE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| STEVENS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| THURSTON | $557,750 | $714,000 | $863,100 | $1,072,600 |
| WAHKIAKUM | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WALLA WALLA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WHATCOM | $632,500 | $809,700 | $978,750 | $1,216,350 |
| WHITMAN | $579,600 | $742,000 | $896,900 | $1,114,650 |
| YAKIMA | $524,225 | $671,200 | $811,275 | $1,008,300 |
Each year, the Department of Housing and Urban Development reviews the FHA loan limits for counties across the country and compares them to median home prices. Sometimes the limits are increased from one year to the next, to keep up with home price appreciation. That’s what happened from 2023 to 2024 with FHA loan limits in Washington State.
In December 2024, the HUD announced that it would be increasing Washington FHA loan limits for 2025.
These changes are usually a direct response to home-price gains that occur the year before. In Washington State, house values have risen steadily in recent years. But they actually dipped over the past 12 months. According to the real estate information company Zillow, the median home price for the state increased by 3.2% from December 2023 to December 2024 to $588,856, according to Zillow. As such, FHA loan limits for Washington State has gone up for 2025.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
The Federal Housing Administration’s loan program offers unique benefits, including a low down payment of only 3.5%. This Washington FHA loan program is particularly popular with first-time home buyers who lack the funds for a larger down payment (though it’s not limited to that group).
If you’re in the market for an FHA home loan in 2025, or if you just have questions regarding FHA loan limits in Washington, please contact us today. We can help you choose the right type of loan for your particular needs.
At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region that includes Washington, Oregon, Colorado, and Idaho. Please contact us today with any financing-related questions you have.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.