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FHA Home Loan

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.

 

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)

Oregon Washington FHA

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