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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.

 

2019 FHA Loan Limits

Oregon

Baker

$314,827

$403,125

$487,250

$605,525

Oregon

Benton

$385,250

$493,200

$596,150

$740,850

Oregon

Clackamas

$474,950

$608,000

$734,950

$913,350

Oregon

Clatsop

$316,250

$404,850

$489,350

$608,150

Oregon

Columbia

$474,950

$608,000

$734,950

$913,350

Oregon

Coos

$314,827

$403,125

$487,250

$605,525

Oregon

Crook

$314,827

$403,125

$487,250

$605,525

Oregon

Curry

$327,750

$419,550

$507,150

$630,300

Oregon

Deschutes

$409,400

$524,100

$633,500

$787,300

Oregon

Douglas

$314,827

$403,125

$487,250

$605,525

Oregon

Gilliam

$314,827

$403,125

$487,250

$605,525

Oregon

Grant

$314,827

$403,125

$487,250

$605,525

Oregon

Harney

$314,827

$403,125

$487,250

$605,525

Oregon

Hood River

$477,250

$610,950

$738,500

$917,800

Oregon

Jackson

$320,850

$410,750

$496,500

$617,000

Oregon

Jefferson

$314,827

$403,125

$487,250

$605,525

Oregon

Josephine

$314,827

$403,125

$487,250

$605,525

Oregon

Klamath

$314,827

$403,125

$487,250

$605,525

Oregon

Lake

$314,827

$403,125

$487,250

$605,525

Oregon

Lane

$314,827

$403,125

$487,250

$605,525

Oregon

Lincoln

$314,827

$403,125

$487,250

$605,525

Oregon

Linn

$314,827

$403,125

$487,250

$605,525

Oregon

Malheur

$314,827

$403,125

$487,250

$605,525

Oregon

Marion

$322,000

$412,200

$498,250

$619,250

Oregon

Morrow

$314,827

$403,125

$487,250

$605,525

Oregon

Multnomah

$474,950

$608,000

$734,950

$913,350

Oregon

Polk

$322,000

$412,200

$498,250

$619,250

Oregon

Sherman

$314,827

$403,125

$487,250

$605,525

Oregon

Tillamook

$314,827

$403,125

$487,250

$605,525

Oregon

Umatilla

$314,827

$403,125

$487,250

$605,525

Oregon

Union

$314,827

$403,125

$487,250

$605,525

Oregon

Wallowa

$314,827

$403,125

$487,250

$605,525

Oregon

Wasco

$314,827

$403,125

$487,250

$605,525

Oregon

Washington

$474,950

$608,000

$734,950

$913,350

Oregon

Wheeler

$314,827

$403,125

$487,250

$605,525

Oregon

Yamhill

$474,950

$608,000

$734,950

$913,350

Washington

Adams

$314,827

$403,125

$487,250

$605,525

Washington

Asotin

$314,827

$403,125

$487,250

$605,525

Washington

Benton

$314,827

$403,125

$487,250

$605,525

Washington

Chelan

$342,700

$438,700

$530,300

$659,050

Washington

Clallam

$384,100

$491,700

$594,350

$738,650

Washington

Clark

$474,950

$608,000

$734,950

$913,350

Washington

Columbia

$314,827

$403,125

$487,250

$605,525

Washington

Cowlitz

$314,827

$403,125

$487,250

$605,525

Washington

Douglas

$342,700

$438,700

$530,300

$659,050

Washington

Ferry

$314,827

$403,125

$487,250

$605,525

Washington

Franklin

$314,827

$403,125

$487,250

$605,525

Washington

Garfield

$314,827

$403,125

$487,250

$605,525

Washington

Grant

$314,827

$403,125

$487,250

$605,525

Washington

Grays Harbor

$314,827

$403,125

$487,250

$605,525

Washington

Island

$379,500

$485,800

$587,250

$729,800

Washington

Jefferson

$322,000

$412,200

$498,250

$619,250

Washington

King

$726,525

$930,300

$1,124,475

$1,397,400

Washington

Kitsap

$363,400

$465,200

$562,350

$698,850

Washington

Kittitas

$314,827

$403,125

$487,250

$605,525

Washington

Klickitat

$314,827

$403,125

$487,250

$605,525

Washington

Lewis

$314,827

$403,125

$487,250

$605,525

Washington

Lincoln

$314,827

$403,125

$487,250

$605,525

Washington

Mason

$314,827

$403,125

$487,250

$605,525

Washington

Okanogan

$314,827

$403,125

$487,250

$605,525

Washington

Pacific

$314,827

$403,125

$487,250

$605,525

Washington

Pend Oreille

$314,827

$403,125

$487,250

$605,525

Washington

Pierce

$726,525

$930,300

$1,124,475

$1,397,400

Washington

San Juan

$483,000

$618,300

$747,400

$928,850

Washington

Skagit

$339,250

$434,300

$524,950

$652,400

Washington

Skamania

$474,950

$608,000

$734,950

$913,350

Washington

Snohomish

$726,525

$930,300

$1,124,475

$1,397,400

Washington

Spokane

$314,827

$403,125

$487,250

$605,525

Washington

Stevens

$314,827

$403,125

$487,250

$605,525

Washington

Thurston

$336,950

$431,350

$521,400

$648,000

Washington

Wahkiakum

$314,827

$403,125

$487,250

$605,525

Washington

Walla Walla

$314,827

$403,125

$487,250

$605,525

Washington

Whatcom

$381,800

$488,750

$590,800

$734,250

Washington

Whitman

$314,827

$403,125

$487,250

$605,525

Washington

Yakima

$314,827

$403,125

$487,250

$605,525

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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