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FHA loans in Washington, DC

Quick answer

The 2026 FHA loan limit in Washington, DC (District of Columbia) is $1,249,125 for a single-family home, enough for a purchase price up to about $1,294,000 with 3.5% down. On the $724,600 median home value, that down payment is about $25,361 and the estimated payment is $5,617/month at 7.18%, which needs roughly $241,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $106,287; value-to-income ratio 6.82. Washington ranks 1 by home value and 1 by population among 1 places in our DC dataset.

What does an FHA loan cost on a typical Washington home?

ItemWashington
Median home value (Census ACS)$724,600
District of Columbia median home value$724,600
Down payment (3.5%)$25,361
Loan incl. 1.75% upfront MIP$711,476
Estimated monthly payment (PITI + MI)$5,617
Income needed (28% / 36%)$241,000 / $188,000
District of Columbia 2026 FHA limit (1 unit)$1,249,125
Max purchase price at the limit$1,294,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes District of Columbia's 0.58% effective property tax rate (Census ACS), $1,545/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Washington?

Washington is in District of Columbia, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $1,249,125. With the minimum 3.5% down, that caps the purchase price at about $1,294,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,249,125).

The Washington median home value of $724,600 is 0% below the District of Columbia median, and within what the county limit supports.

Which down payment assistance programs can Washington buyers use?

FHA loan FAQs for Washington

Washington is in District of Columbia, where HUD's 2026 FHA limit for a one-unit home is $1,249,125. With 3.5% down, that supports a purchase price up to about $1,294,000.

3.5% of $724,600 is about $25,361 with a 580+ credit score (10%, or $72,460, with a 500–579 score), plus closing costs.

At the $724,600 median value (close to the District of Columbia median of $724,600), the estimated payment of $5,617/month at 7.18% needs about $241,000 a year under the 28% housing guideline, or $188,000 if your total debts stay under 36%.

1 city-level, 0 county-level and 1 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.