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.

2018 FHA Loan Limits

Oregon

Baker

$294,515

$377,075

$455,800

$566,425

Oregon

Benton

$356,500

$456,350

$551,650

$685,550

Oregon

Clackamas

$448,500

$574,150

$694,000

$862,500

Oregon

Clatsop

$299,000

$382,750

$462,650

$575,000

Oregon

Columbia

$448,500

$574,150

$694,000

$862,500

Oregon

Coos

$294,515

$377,075

$455,800

$566,425

Oregon

Crook

$294,515

$377,075

$455,800

$566,425

Oregon

Curry

$327,750

$419,550

$507,150

$630,300

Oregon

Deschutes

$373,750

$478,450

$578,350

$718,750

Oregon

Douglas

$294,515

$377,075

$455,800

$566,425

Oregon

Gilliam

$294,515

$377,075

$455,800

$566,425

Oregon

Grant

$294,515

$377,075

$455,800

$566,425

Oregon

Harney

$294,515

$377,075

$455,800

$566,425

Oregon

Hood River

$454,250

$581,500

$702,900

$873,550

Oregon

Jackson

$302,450

$387,200

$468,000

$581,650

Oregon

Jefferson

$294,515

$377,075

$455,800

$566,425

Oregon

Josephine

$294,515

$377,075

$455,800

$566,425

Oregon

Klamath

$294,515

$377,075

$455,800

$566,425

Oregon

Lake

$294,515

$377,075

$455,800

$566,425

Oregon

Lane

$294,515

$377,075

$455,800

$566,425

Oregon

Lincoln

$294,515

$377,075

$455,800

$566,425

Oregon

Linn

$294,515

$377,075

$455,800

$566,425

Oregon

Malheur

$294,515

$377,075

$455,800

$566,425

Oregon

Marion

$294,515

$377,075

$455,800

$566,425

Oregon

Morrow

$294,515

$377,075

$455,800

$566,425

Oregon

Multnomah

$448,500

$574,150

$694,000

$862,500

Oregon

Polk

$294,515

$377,075

$455,800

$566,425

Oregon

Sherman

$294,515

$377,075

$455,800

$566,425

Oregon

Tillamook

$294,515

$377,075

$455,800

$566,425

Oregon

Umatilla

$294,515

$377,075

$455,800

$566,425

Oregon

Union

$294,515

$377,075

$455,800

$566,425

Oregon

Wallowa

$294,515

$377,075

$455,800

$566,425

Oregon

Wasco

$294,515

$377,075

$455,800

$566,425

Oregon

Washington

$448,500

$574,150

$694,000

$862,500

Oregon

Wheeler

$294,515

$377,075

$455,800

$566,425

Oregon

Yamhill

$448,500

$574,150

$694,000

$862,500

Washington

Adams

$294,515

$377,075

$455,800

$566,425

Washington

Asotin

$294,515

$377,075

$455,800

$566,425

Washington

Benton

$294,515

$377,075

$455,800

$566,425

Washington

Chelan

$342,700

$438,700

$530,300

$659,050

Washington

Clallam

$384,100

$491,700

$594,350

$738,650

Washington

Clark

$448,500

$574,150

$694,000

$862,500

Washington

Columbia

$294,515

$377,075

$455,800

$566,425

Washington

Cowlitz

$294,515

$377,075

$455,800

$566,425

Washington

Douglas

$342,700

$438,700

$530,300

$659,050

Washington

Ferry

$294,515

$377,075

$455,800

$566,425

Washington

Franklin

$294,515

$377,075

$455,800

$566,425

Washington

Garfield

$294,515

$377,075

$455,800

$566,425

Washington

Grant

$294,515

$377,075

$455,800

$566,425

Washington

Grays Harbor

$294,515

$377,075

$455,800

$566,425

Washington

Island

$345,000

$441,650

$533,850

$663,450

Washington

Jefferson

$322,000

$412,200

$498,250

$619,250

Washington

King

$667,000

$853,900

$1,032,150

$1,282,700

Washington

Kitsap

$330,050

$422,500

$510,700

$634,700

Washington

Kittitas

$294,515

$377,075

$455,800

$566,425

Washington

Klickitat

$294,515

$377,075

$455,800

$566,425

Washington

Lewis

$294,515

$377,075

$455,800

$566,425

Washington

Lincoln

$294,515

$377,075

$455,800

$566,425

Washington

Mason

$294,515

$377,075

$455,800

$566,425

Washington

Okanogan

$294,515

$377,075

$455,800

$566,425

Washington

Pacific

$294,515

$377,075

$455,800

$566,425

Washington

Pend Oreille

$294,515

$377,075

$455,800

$566,425

Washington

Pierce

$667,000

$853,900

$1,032,150

$1,282,700

Washington

San Juan

$483,000

$618,300

$747,400

$928,850

Washington

Skagit

$315,100

$403,350

$487,600

$605,950

Washington

Skamania

$448,500

$574,150

$694,000

$862,500

Washington

Snohomish

$667,000

$853,900

$1,032,150

$1,282,700

Washington

Spokane

$294,515

$377,075

$455,800

$566,425

Washington

Stevens

$294,515

$377,075

$455,800

$566,425

Washington

Thurston

$316,250

$404,850

$489,350

$608,150

Washington

Wahkiakum

$294,515

$377,075

$455,800

$566,425

Washington

Walla Walla

$294,515

$377,075

$455,800

$566,425

Washington

Whatcom

$345,000

$441,650

$533,850

$663,450

Washington

Whitman

$294,515

$377,075

$455,800

$566,425

Washington

Yakima

$294,515

$377,075

$455,800

$566,425

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)

We consistently strive to offer consumers the best possible mortgage experience by using a transparent and systematic approach that makes lenders compete for your business. The more educated the consumer, the greater chance they will become a Vantage client when comparing mortgage providers. Don’t just take our word for it, here are some reviews that our past customers have left!