Washington State Mortgage Guides 2025
FHA limits by county, WSHFC down payment assistance programs, USDA rural loans for Eastern Washington, VA resources for JBLM and NAS Whidbey, and a complete closing cost breakdown — all in one place.
Everything You Need for a Washington State Home Purchase
Six in-depth guides covering every aspect of getting a mortgage in Washington State — from loan program selection to what you’ll pay at closing.
Washington Mortgage Guide
Mortgage options, current rates, lender requirements, and home buying strategies across Washington — from Seattle to Spokane.
Read guide →Washington First-Time Home Buyer Guide
WSHFC Home Advantage, House Key, MCC tax credit — down payment assistance programs for Washington State first-time buyers.
Read guide →Washington FHA Loan Requirements
2025 FHA limits for King County ($977,500), Pierce, Snohomish, Clark, Thurston, and all other Washington counties.
Read guide →Washington VA Loan Requirements
VA entitlement, 2025 funding fee chart, and resources for JBLM, NAS Whidbey, Naval Station Everett, and Fairchild AFB.
Read guide →Washington USDA Loans
FY2025 USDA income limits, eligible rural areas in Eastern Washington, Olympic Peninsula, and rural Western WA counties.
Read guide →Washington Closing Costs Guide
Real Estate Excise Tax (REET), title insurance, escrow fees, and strategies to reduce what you pay at closing in Washington.
Read guide →Washington Mortgage Snapshot
2025 FHA Loan Limits
- King / Pierce / Snohomish / Kitsap: $977,500
- Clark County (Vancouver): $690,000
- Thurston / Whatcom: $603,750
- Spokane / Yakima: $472,030
Down Payment Assistance
- WSHFC Home Advantage: below-market rate + up to 4% DPA
- House Key Opportunity: deeper income targeting
- MCC tax credit: up to $2,000/year federal tax credit
- Min credit score: 620 for most WSHFC programs
USDA Income Limits (FY2025)
- Most rural WA counties: $112,450 / $148,450
- Seattle metro: not USDA eligible
- Eastern WA rural areas: widely eligible
- Olympic Peninsula: many eligible areas
Closing Cost Estimates
- Typical buyer costs: 2%–4% of purchase price
- REET (Real Estate Excise Tax): graduated 1.1%–3% (seller pays)
- Title + escrow: ~$2,600–$4,300 combined
- No attorney required — escrow companies handle closings
Buying or Refinancing in Washington State?
Washington has no state income tax and strong WSHFC programs for first-time buyers. A licensed Washington mortgage advisor can help you navigate Seattle’s competitive market, Eastern Washington’s affordability, or military communities near JBLM and NAS Whidbey.
- ✓ Compare WSHFC Home Advantage vs. FHA for your situation
- ✓ Understand REET and escrow costs at closing
- ✓ Check VA vs. WSHFC options for military and veterans
- ✓ Estimate total cash needed including escrow reserves
Speak with a Washington Advisor
Licensed Washington mortgage professionals ready to help.
Get Started →