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FHA Home Loans

FHA Loan Requirements

FHA loansThe 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.

 

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)

Oregon Washington FHA

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