FHA Home Loan
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.
2021 FHA Loan Limits
Oregon
Baker
$356,362
$456,275
$551,500
$685,400
Oregon
Benton
$430,100
$550,600
$665,550
$827,100
Oregon
Clackamas
$517,500
$662,500
$800,800
$995,200
Oregon
Clatsop
$379,500
$485,800
$587,250
$729,800
Oregon
Columbia
$517,500
$662,500
$800,800
$995,200
Oregon
Coos
$356,362
$456,275
$551,500
$685,400
Oregon
Crook
$356,362
$456,275
$551,500
$685,400
Oregon
Curry
$356,362
$456,275
$551,500
$685,400
Oregon
Deschutes
$460,000
$588,850
$711,800
$884,600
Oregon
Douglas
$356,362
$456,275
$551,500
$685,400
Oregon
Gilliam
$356,362
$456,275
$551,500
$685,400
Oregon
Grant
$356,362
$456,275
$551,500
$685,400
Oregon
Harney
$356,362
$456,275
$551,500
$685,400
Oregon
Hood River
$477,250
$610,950
$738,500
$917,800
Oregon
Jackson
$356,362
$456,275
$551,500
$685,400
Oregon
Jefferson
$356,362
$456,275
$551,500
$685,400
Oregon
Josephine
$356,362
$456,275
$551,500
$685,400
Oregon
Klamath
$356,362
$456,275
$551,500
$685,400
Oregon
Lake
$356,362
$456,275
$551,500
$685,400
Oregon
Lane
$356,362
$456,275
$551,500
$685,400
Oregon
Lincoln
$356,362
$456,275
$551,500
$685,400
Oregon
Linn
$356,362
$456,275
$551,500
$685,400
Oregon
Malheur
$356,362
$456,275
$551,500
$685,400
Oregon
Marion
$368,000
$471,100
$569,450
$707,700
Oregon
Morrow
$356,362
$456,275
$551,500
$685,400
Oregon
Multnomah
$517,500
$662,500
$800,800
$995,200
Oregon
Polk
$368,000
$471,100
$569,450
$707,700
Oregon
Sherman
$356,362
$456,275
$551,500
$685,400
Oregon
Tillamook
$356,362
$456,275
$551,500
$685,400
Oregon
Umatilla
$356,362
$456,275
$551,500
$685,400
Oregon
Union
$356,362
$456,275
$551,500
$685,400
Oregon
Wallowa
$356,362
$456,275
$551,500
$685,400
Oregon
Wasco
$356,362
$456,275
$551,500
$685,400
Oregon
Washington
$517,500
$662,500
$800,800
$995,200
Oregon
Wheeler
$356,362
$456,275
$551,500
$685,400
Oregon
Yamhill
$517,500
$662,500
$800,800
$995,200
Washington
Adams
$356,362
$456,275
$551,500
$685,400
Washington
Asotin
$356,362
$456,275
$551,500
$685,400
Washington
Benton
$356,362
$456,275
$551,500
$685,400
Washington
Chelan
$371,450
$475,500
$574,800
$714,350
Washington
Clallam
$384,100
$491,700
$594,350
$738,650
Washington
Clark
$517,500
$662,500
$800,800
$995,200
Washington
Columbia
$356,362
$456,275
$551,500
$685,400
Washington
Cowlitz
$356,362
$456,275
$551,500
$685,400
Washington
Douglas
$371,450
$475,500
$574,800
$714,350
Washington
Ferry
$356,362
$456,275
$551,500
$685,400
Washington
Franklin
$356,362
$456,275
$551,500
$685,400
Washington
Garfield
$356,362
$456,275
$551,500
$685,400
Washington
Grant
$356,362
$456,275
$551,500
$685,400
Washington
Grays Harbor
$356,362
$456,275
$551,500
$685,400
Washington
Island
$431,250
$552,050
$667,350
$829,350
Washington
Jefferson
$356,362
$456,275
$551,500
$685,400
Washington
King
$776,250
$993,750
$1,201,200
$1,492,800
Washington
Kitsap
$435,850
$557,950
$674,450
$838,200
Washington
Kittitas
$356,362
$456,275
$551,500
$685,400
Washington
Klickitat
$356,362
$456,275
$551,500
$685,400
Washington
Lewis
$356,362
$456,275
$551,500
$685,400
Washington
Lincoln
$356,362
$456,275
$551,500
$685,400
Washington
Mason
$356,362
$456,275
$551,500
$685,400
Washington
Okanogan
$356,362
$456,275
$551,500
$685,400
Washington
Pacific
$356,362
$456,275
$551,500
$685,400
Washington
Pend Oreille
$356,362
$456,275
$551,500
$685,400
Washington
Pierce
$776,250
$993,750
$1,201,200
$1,492,800
Washington
San Juan
$497,950
$637,450
$770,550
$957,600
Washington
Skagit
$405,950
$519,700
$628,200
$780,650
Washington
Skamania
$517,500
$662,500
$800,800
$995,200
Washington
Snohomish
$776,250
$993,750
$1,201,200
$1,492,800
Washington
Spokane
$356,362
$456,275
$551,500
$685,400
Washington
Stevens
$356,362
$456,275
$551,500
$685,400
Washington
Thurston
$405,950
$519,700
$628,200
$780,650
Washington
Wahkiakum
$356,362
$456,275
$551,500
$685,400
Washington
Walla Walla
$356,362
$456,275
$551,500
$685,400
Washington
Whatcom
$442,750
$566,800
$685,100
$851,450
Washington
Whitman
$356,362
$456,275
$551,500
$685,400
Washington
Yakima
$356,362
$456,275
$551,500
$685,400
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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