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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.

 

2020 FHA Loan Limits

Oregon

Baker

$331,760

$424,800

$513,450

$638,100

Oregon

Benton

$402,500

$515,250

$622,850

$774,050

Oregon

Clackamas

$491,050

$628,600

$759,850

$944,350

Oregon

Clatsop

$345,000

$441,650

$533,850

$663,450

Oregon

Columbia

$491,050

$628,600

$759,850

$944,350

Oregon

Coos

$331,760

$424,800

$513,450

$638,100

Oregon

Crook

$331,760

$424,800

$513,450

$638,100

Oregon

Curry

$331,760

$424,800

$513,450

$638,100

Oregon

Deschutes

$431,250

$552,050

$667,350

$829,350

Oregon

Douglas

$331,760

$424,800

$513,450

$638,100

Oregon

Gilliam

$331,760

$424,800

$513,450

$638,100

Oregon

Grant

$331,760

$424,800

$513,450

$638,100

Oregon

Harney

$331,760

$424,800

$513,450

$638,100

Oregon

Hood River

$477,250

$610,950

$738,500

$917,800

Oregon

Jackson

$333,500

$426,950

$516,050

$641,350

Oregon

Jefferson

$331,760

$424,800

$513,450

$638,100

Oregon

Josephine

$331,760

$424,800

$513,450

$638,100

Oregon

Klamath

$331,760

$424,800

$513,450

$638,100

Oregon

Lake

$331,760

$424,800

$513,450

$638,100

Oregon

Lane

$331,760

$424,800

$513,450

$638,100

Oregon

Lincoln

$331,760

$424,800

$513,450

$638,100

Oregon

Linn

$331,760

$424,800

$513,450

$638,100

Oregon

Malheur

$331,760

$424,800

$513,450

$638,100

Oregon

Marion

$342,700

$438,700

$530,300

$659,050

Oregon

Morrow

$331,760

$424,800

$513,450

$638,100

Oregon

Multnomah

$491,050

$628,600

$759,850

$944,350

Oregon

Polk

$342,700

$438,700

$530,300

$659,050

Oregon

Sherman

$331,760

$424,800

$513,450

$638,100

Oregon

Tillamook

$331,760

$424,800

$513,450

$638,100

Oregon

Umatilla

$331,760

$424,800

$513,450

$638,100

Oregon

Union

$331,760

$424,800

$513,450

$638,100

Oregon

Wallowa

$331,760

$424,800

$513,450

$638,100

Oregon

Wasco

$331,760

$424,800

$513,450

$638,100

Oregon

Washington

$491,050

$628,600

$759,850

$944,350

Oregon

Wheeler

$331,760

$424,800

$513,450

$638,100

Oregon

Yamhill

$491,050

$628,600

$759,850

$944,350

Washington

Adams

$331,760

$424,800

$513,450

$638,100

Washington

Asotin

$331,760

$424,800

$513,450

$638,100

Washington

Benton

$331,760

$424,800

$513,450

$638,100

Washington

Chelan

$345,000

$441,650

$533,850

$663,450

Washington

Clallam

$384,100

$491,700

$594,350

$738,650

Washington

Clark

$491,050

$628,600

$759,850

$944,350

Washington

Columbia

$331,760

$424,800

$513,450

$638,100

Washington

Cowlitz

$331,760

$424,800

$513,450

$638,100

Washington

Douglas

$345,000

$441,650

$533,850

$663,450

Washington

Ferry

$331,760

$424,800

$513,450

$638,100

Washington

Franklin

$331,760

$424,800

$513,450

$638,100

Washington

Garfield

$331,760

$424,800

$513,450

$638,100

Washington

Grant

$331,760

$424,800

$513,450

$638,100

Washington

Grays Harbor

$331,760

$424,800

$513,450

$638,100

Washington

Island

$393,300

$503,500

$608,600

$756,350

Washington

Jefferson

$351,900

$450,500

$544,550

$676,750

Washington

King

$741,750

$949,600

$1,147,800

$1,426,450

Washington

Kitsap

$395,600

$506,450

$612,150

$760,750

Washington

Kittitas

$331,760

$424,800

$513,450

$638,100

Washington

Klickitat

$331,760

$424,800

$513,450

$638,100

Washington

Lewis

$331,760

$424,800

$513,450

$638,100

Washington

Lincoln

$331,760

$424,800

$513,450

$638,100

Washington

Mason

$331,760

$424,800

$513,450

$638,100

Washington

Okanogan

$331,760

$424,800

$513,450

$638,100

Washington

Pacific

$331,760

$424,800

$513,450

$638,100

Washington

Pend Oreille

$331,760

$424,800

$513,450

$638,100

Washington

Pierce

$741,750

$949,600

$1,147,800

$1,426,450

Washington

San Juan

$497,950

$637,450

$770,550

$957,600

Washington

Skagit

$373,750

$478,450

$578,350

$718,750

Washington

Skamania

$491,050

$628,600

$759,850

$944,350

Washington

Snohomish

$741,750

$949,600

$1,147,800

$1,426,450

Washington

Spokane

$331,760

$424,800

$513,450

$638,100

Washington

Stevens

$331,760

$424,800

$513,450

$638,100

Washington

Thurston

$370,300

$474,050

$573,000

$712,100

Washington

Wahkiakum

$331,760

$424,800

$513,450

$638,100

Washington

Walla Walla

$331,760

$424,800

$513,450

$638,100

Washington

Whatcom

$411,700

$527,050

$637,050

$791,750

Washington

Whitman

$331,760

$424,800

$513,450

$638,100

Washington

Yakima

$331,760

$424,800

$513,450

$638,100

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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