Washington State FHA Loan Requirements 2025
FHA loan limits by county, credit score requirements, down payment rules, and mortgage insurance details for Washington State home buyers in 2025.
FHA Loans in Washington State
FHA loans are federally insured mortgages widely used throughout Washington State. In Washington’s expensive coastal markets — Seattle, Bellevue, Kirkland, and Redmond — FHA loans serve a critical role because their loan limits are set at a higher level than the national baseline to reflect local home prices.
Washington State FHA Loan Requirements for 2025
The FHA minimum credit score is 580 for the 3.5% down payment option. Scores between 500 and 579 require 10% down. Most Washington lenders set overlay minimums of 620–640. FHA allows front-end DTI up to 31% and back-end DTI up to 43%. With compensating factors, automated underwriting can approve DTIs up to 50–57%.
Washington FHA Loan Limits by County (2025)
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| King (Seattle) | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| Snohomish (Everett) | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| Pierce (Tacoma) | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| Kitsap | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| Clark (Vancouver) | $690,000 | $883,300 | $1,067,750 | $1,327,050 |
| Thurston (Olympia) | $603,750 | $773,050 | $934,350 | $1,161,050 |
| Whatcom (Bellingham) | $603,750 | $773,050 | $934,350 | $1,161,050 |
| Spokane | $472,030 | $604,400 | $730,525 | $907,900 |
| Yakima | $472,030 | $604,400 | $730,525 | $907,900 |
| All Other Counties | $472,030 | $604,400 | $730,525 | $907,900 |
FHA Mortgage Insurance in Washington
FHA loans carry an Upfront MIP of 1.75% (rolled into the loan) and an Annual MIP of 0.55% for standard 30-year loans with less than 10% down, paid monthly. MIP remains for the life of the loan if the down payment was under 10%.
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