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FHA loans in Washington

Quick answer

FHA loans in Washington require 3.5% down with a 580+ credit score; on a $519,800 home that's about $18,193. County FHA limits start at $541,287 for one-unit homes in lower-cost areas.

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

FHA loan snapshot for Washington

ItemEstimate
Minimum down payment3.5%
Minimum credit score580
Typical WA home value$519,800
3.5% down on typical home$18,193
20% down on typical home$103,960
Avg. effective property tax0.84%/yr (~$363/mo)
Income for typical home (31% rule)$162,000

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

Which Washington programs pair with FHA loans?

  • Home Advantage DPA: Deferred down payment assistance paired with a Home Advantage first mortgage.
  • Opportunity DPA: A 1% deferred loan for lower-income first-time buyers.

Details and current limits: Washington State Housing Finance Commission (WSHFC).

Who is an FHA loan best for?

FHA is designed for buyers with modest savings or credit that's still being built. Because the government insures the lender against loss, lenders can approve borrowers they might otherwise decline.

  • Credit scores between 580 and 680.
  • Debt-to-income ratios up to about 50% with compensating factors.
  • Buyers using gift funds for the entire down payment.
  • Buyers who had a bankruptcy 2+ years ago or foreclosure 3+ years ago.

How much does FHA mortgage insurance cost?

The upfront premium (UFMIP) is 1.75% of the base loan amount and is usually rolled into the loan. The annual premium for most 30-year loans is 0.55% of the balance, paid monthly. With less than 10% down, annual MIP lasts for the life of the loan; with 10% or more, it ends after 11 years. Many owners later refinance into a conventional loan to drop MIP.

FHA loans in Washington cities

FHA in SeattleFHA in SpokaneFHA in TacomaFHA in VancouverFHA in BellevueFHA in KentFHA in EverettFHA in Spokane ValleyFHA in RentonFHA in Federal WayFHA in YakimaFHA in BellinghamFHA in KirklandFHA in AuburnFHA in KennewickFHA in PascoFHA in RedmondFHA in MarysvilleFHA in South HillFHA in SammamishFHA in LakewoodFHA in RichlandFHA in ShorelineFHA in LaceyFHA in OlympiaFHA in BurienFHA in BothellFHA in BremertonFHA in EdmondsFHA in PuyallupFHA in LynnwoodFHA in Lake StevensFHA in IssaquahFHA in ParklandFHA in LongviewFHA in WenatcheeFHA in Mount VernonFHA in GrahamFHA in University PlaceFHA in SpanawayFHA in Walla WallaFHA in Des MoinesFHA in PullmanFHA in SeaTacFHA in OrchardsFHA in Maple ValleyFHA in CamasFHA in TumwaterFHA in Moses LakeFHA in Mill Creek EastFHA in Mercer IslandFHA in Bainbridge IslandFHA in Oak HarborFHA in FredericksonFHA in North LynnwoodFHA in KenmoreFHA in EastmontFHA in Union Hill-Novelty HillFHA in Cottage LakeFHA in Hazel Dell

Frequently asked questions

Yes. FHA loans are available statewide in Washington through approved lenders, subject to county loan limits where they apply.

Often yes. Washington State Housing Finance Commission (WSHFC) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Washington.

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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.