FHA Home Loans
The FHA, or the Federal Housing Administration, was established by the government to improve housing conditions for Americans.
–  Less credit restrictions
–  Lower private mortgage insurance (PMI) premiums
–  No cash reserves required.
2022 FHA Loan Limits
Oregon
Baker
$420,680
$538,650
$651,050
$809,150
Oregon
Benton
$483,000
$618,300
$747,400
$928,850
Oregon
Clackamas
$598,000
$765,550
$925,350
$1,150,000
Oregon
Clatsop
$437,000
$559,450
$676,200
$840,400
Oregon
Columbia
$598,000
$765,550
$925,350
$1,150,000
Oregon
Coos
$420,680
$538,650
$651,050
$809,150
Oregon
Crook
$420,680
$538,650
$651,050
$809,150
Oregon
Curry
$420,680
$538,650
$651,050
$809,150
Oregon
Deschutes
$569,250
$728,750
$880,900
$1,094,700
Oregon
Douglas
$420,680
$538,650
$651,050
$809,150
Oregon
Gilliam
$420,680
$538,650
$651,050
$809,150
Oregon
Grant
$420,680
$538,650
$651,050
$809,150
Oregon
Harney
$420,680
$538,650
$651,050
$809,150
Oregon
Hood River
$599,150
$767,000
$927,150
$1,152,250
Oregon
Jackson
$420,680
$538,650
$651,050
$809,150
Oregon
Jefferson
$420,680
$538,650
$651,050
$809,150
Oregon
Josephine
$420,680
$538,650
$651,050
$809,150
Oregon
Klamath
$420,680
$538,650
$651,050
$809,150
Oregon
Lake
$420,680
$538,650
$651,050
$809,150
Oregon
Lane
$420,680
$538,650
$651,050
$809,150
Oregon
Lincoln
$420,680
$538,650
$651,050
$809,150
Oregon
Linn
$420,680
$538,650
$651,050
$809,150
Oregon
Malheur
$420,680
$538,650
$651,050
$809,150
Oregon
Marion
$420,680
$538,650
$651,050
$809,150
Oregon
Morrow
$420,680
$538,650
$651,050
$809,150
Oregon
Multnomah
$598,000
$765,550
$925,350
$1,150,000
Oregon
Polk
$420,680
$538,650
$651,050
$809,150
Oregon
Sherman
$420,680
$538,650
$651,050
$809,150
Oregon
Tillamook
$420,680
$538,650
$651,050
$809,150
Oregon
Umatilla
$420,680
$538,650
$651,050
$809,150
Oregon
Union
$420,680
$538,650
$651,050
$809,150
Oregon
Wallowa
$420,680
$538,650
$651,050
$809,150
Oregon
Wasco
$420,680
$538,650
$651,050
$809,150
Oregon
Washington
$598,000
$765,550
$925,350
$1,150,000
Oregon
Wheeler
$420,680
$538,650
$651,050
$809,150
Oregon
Yamhill
$598,000
$765,550
$925,350
$1,150,000
Washington
Adams
$420,680
$538,650
$651,050
$809,150
Washington
Asotin
$420,680
$538,650
$651,050
$809,150
Washington
Benton
$420,680
$538,650
$651,050
$809,150
Washington
Chelan
$420,680
$538,650
$651,050
$809,150
Washington
Clallam
$420,680
$538,650
$651,050
$809,150
Washington
Clark
$598,000
$765,550
$925,350
$1,150,000
Washington
Columbia
$420,680
$538,650
$651,050
$809,150
Washington
Cowlitz
$420,680
$538,650
$651,050
$809,150
Washington
Douglas
$420,680
$538,650
$651,050
$809,150
Washington
Ferry
$420,680
$538,650
$651,050
$809,150
Washington
Franklin
$420,680
$538,650
$651,050
$809,150
Washington
Garfield
$420,680
$538,650
$651,050
$809,150
Washington
Grant
$420,680
$538,650
$651,050
$809,150
Washington
Grays Harbor
$420,680
$538,650
$651,050
$809,150
Washington
Island
$511,750
$655,150
$791,900
$984,150
Washington
Jefferson
$420,680
$538,650
$651,050
$809,150
Washington
King
$891,250
$1,140,950
$1,379,150
$1,713,950
Washington
Kitsap
$497,950
$637,450
$770,550
$957,600
Washington
Kittitas
$420,680
$538,650
$651,050
$809,150
Washington
Klickitat
$420,680
$538,650
$651,050
$809,150
Washington
Lewis
$420,680
$538,650
$651,050
$809,150
Washington
Lincoln
$420,680
$538,650
$651,050
$809,150
Washington
Mason
$420,680
$538,650
$651,050
$809,150
Washington
Okanogan
$420,680
$538,650
$651,050
$809,150
Washington
Pacific
$420,680
$538,650
$651,050
$809,150
Washington
Pend Oreille
$420,680
$538,650
$651,050
$809,150
Washington
Pierce
$891,250
$1,140,950
$1,379,150
$1,713,950
Washington
San Juan
$497,950
$637,450
$770,550
$957,600
Washington
Skagit
$473,800
$606,550
$733,150
$911,150
Washington
Skamania
$598,000
$765,550
$925,350
$1,150,000
Washington
Snohomish
$891,250
$1,140,950
$1,379,150
$1,713,950
Washington
Spokane
$420,680
$538,650
$651,050
$809,150
Washington
Stevens
$420,680
$538,650
$651,050
$809,150
Washington
Thurston
$477,250
$610,950
$738,500
$917,800
Washington
Wahkiakum
$420,680
$538,650
$651,050
$809,150
Washington
Walla Walla
$420,680
$538,650
$651,050
$809,150
Washington
Whatcom
$514,050
$658,050
$795,450
$988,550
Washington
Whitman
$420,680
$538,650
$651,050
$809,150
Washington
Yakima
$420,680
$538,650
$651,050
$809,150
Current Up-Front Mortgage Insurance Premium
The UPMIP is currently at 1.75% of the base loan amount. This applies regardless of the amortization term or LTV ratio.
Current Annual MIP Premium (monthly PMI factor included with payment)
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