FHA Home Loan

The FHA, or the Federal Housing Administration, was established by the government to improve housing conditions for Americans.

An FHA mortgage can be an attractive option to many first-time home buyers, as down-payment requirements for a FHA mortgage can be less restrictive as well as other qualifying aspects.- As little as 3.5% down (up to 96.5%)

– Down payment can be 100% gift from a relative
– Less credit restrictions
– Lower private mortgage insurance (PMI) premiums
– No cash reserves required.

2017 FHA Loan Limits

Oregon

Baker

$275,665

$352,950

$426,625

$530,150

Oregon

Benton

$323,150

$413,700

$500,050

$621,450

Oregon

Clackamas

$408,250

$522,600

$631,750

$785,100

Oregon

Clatsop

$281,750

$360,700

$436,000

$541,800

Oregon

Columbia

$408,250

$522,600

$631,750

$785,100

Oregon

Coos

$275,665

$352,950

$426,625

$530,150

Oregon

Crook

$275,665

$352,950

$426,625

$530,150

Oregon

Curry

$327,750

$419,550

$507,150

$630,300

Oregon

Deschutes

$342,700

$438,700

$530,300

$659,050

Oregon

Douglas

$275,665

$352,950

$426,625

$530,150

Oregon

Gilliam

$275,665

$352,950

$426,625

$530,150

Oregon

Grant

$275,665

$352,950

$426,625

$530,150

Oregon

Harney

$275,665

$352,950

$426,625

$530,150

Oregon

Hood River

$391,000

$500,550

$605,050

$751,900

Oregon

Jackson

$280,600

$359,200

$434,200

$539,600

Oregon

Jefferson

$275,665

$352,950

$426,625

$530,150

Oregon

Josephine

$275,665

$352,950

$426,625

$530,150

Oregon

Klamath

$275,665

$352,950

$426,625

$530,150

Oregon

Lake

$275,665

$352,950

$426,625

$530,150

Oregon

Lane

$275,665

$352,950

$426,625

$530,150

Oregon

Lincoln

$276,000

$353,000

$427,100

$530,750

Oregon

Linn

$275,665

$352,950

$426,625

$530,150

Oregon

Malheur

$275,665

$352,950

$426,625

$530,150

Oregon

Marion

$275,665

$352,950

$426,625

$530,150

Oregon

Morrow

$275,665

$352,950

$426,625

$530,150

Oregon

Multnomah

$408,250

$522,600

$631,750

$785,100

Oregon

Polk

$275,665

$352,950

$426,625

$530,150

Oregon

Sherman

$275,665

$352,950

$426,625

$530,150

Oregon

Tillamook

$287,500

$368,050

$444,900

$552,900

Oregon

Umatilla

$275,665

$352,950

$426,625

$530,150

Oregon

Union

$275,665

$352,950

$426,625

$530,150

Oregon

Wallowa

$275,665

$352,950

$426,625

$530,150

Oregon

Wasco

$275,665

$352,950

$426,625

$530,150

Oregon

Washington

$408,250

$522,600

$631,750

$785,100

Oregon

Wheeler

$275,665

$352,950

$426,625

$530,150

Oregon

Yamhill

$408,250

$522,600

$631,750

$785,100

Washington

Adams

$275,665

$352,950

$426,625

$530,150

Washington

Asotin

$275,665

$352,950

$426,625

$530,150

Washington

Benton

$275,665

$352,950

$426,625

$530,150

Washington

Chelan

$342,700

$438,700

$530,300

$659,050

Washington

Clallam

$384,100

$491,700

$594,350

$738,650

Washington

Clark

$408,250

$522,600

$631,750

$785,100

Washington

Columbia

$275,665

$352,950

$426,625

$530,150

Washington

Cowlitz

$275,665

$352,950

$426,625

$530,150

Washington

Douglas

$342,700

$438,700

$530,300

$659,050

Washington

Ferry

$275,665

$352,950

$426,625

$530,150

Washington

Franklin

$275,665

$352,950

$426,625

$530,150

Washington

Garfield

$275,665

$352,950

$426,625

$530,150

Washington

Grays Harbor

$275,665

$352,950

$426,625

$530,150

Washington

Grant

$275,665

$352,950

$426,625

$530,150

Washington

Island

$327,750

$419,550

$507,150

$630,300

Washington

Jefferson

$322,000

$412,200

$498,250

$619,250

Washington

King

$592,250

$758,200

$916,450

$1,138,950

Washington

Kitsap

$310,500

$397,500

$480,450

$597,100

Washington

Kittitas

$275,665

$352,950

$426,625

$530,150

Washington

Klickitat

$275,665

$352,950

$426,625

$530,150

Washington

Lewis

$275,665

$352,950

$426,625

$530,150

Washington

Lincoln

$275,665

$352,950

$426,625

$530,150

Washington

Mason

$275,665

$352,950

$426,625

$530,150

Washington

Okanogan

$275,665

$352,950

$426,625

$530,150

Washington

Pacific

$275,665

$352,950

$426,625

$530,150

Washington

Pend Oreille

$275,665

$352,950

$426,625

$530,150

Washington

Pierce

$592,250

$758,200

$916,450

$1,138,950

Washington

San Juan

$483,000

$618,300

$747,400

$928,850

Washington

Skagit

$315,100

$403,350

$487,600

$605,950

Washington

Skamania

$408,250

$522,600

$631,750

$785,100

Washington

Snohomish

$592,250

$758,200

$916,450

$1,138,950

Washington

Spokane

$275,665

$352,950

$426,625

$530,150

Washington

Stevens

$275,665

$352,950

$426,625

$530,150

Washington

Thurston

$297,850

$381,300

$460,900

$572,800

Washington

Wahkiakum

$275,665

$352,950

$426,625

$530,150

Washington

Walla Walla

$275,665

$352,950

$426,625

$530,150

Washington

Whatcom

$320,850

$410,750

$496,500

$617,000

Washington

Whitman

$275,665

$352,950

$426,625

$530,150

Washington

Yakima

$275,665

$352,950

$426,625

$530,150

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)