FHA Home Loans
The FHA, or the Federal Housing Administration, was established by the government to improve housing conditions for Americans.
– Less credit restrictions
– Lower private mortgage insurance (PMI) premiums
– No cash reserves required.
OREGON 2026 FHA LOAN LIMITS
COUNTIES
SINGLE
DUPLEX
TRI-PLEX
4-PLEX
Baker, Coos, Curry, Douglas, Gilliam, Grant, Harney, Jackson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Wheeler
$541,287
$693,050
$837,700
$1,041,125
Benton
$615,250
$787,650
$952,050
$1,183,200
Clatsop
$563,500
$721,400
$872,000
$1,083,650
Clackamas, Columbia, Multnomah, Washington, Yamhill
$701,500
$898,050
$1,085,550
$1,349,050
Crook, Deschutes, Jefferson
$718,750
$920,150
$1,112,250
$1,382,250
Hood River
$762,450
$976,100
$1,179,850
$1,466,250
WASHINGTON 2026 FHA LOAN LIMITS
COUNTIES
SINGLE
DUPLEX
TRI-PLEX
4-PLEX
Adams, Asotin, Benton, Clallam, Columbia, Cowlitz, Ferry, Franklin, Garfield, Grant, Grays Harbor, Jefferson, Kittitas, Klickitat, Lewis, Lincoln, Mason, Okanogan, Pacific, Pend Oreille, Spokane, Stevens, Wahkiakum, Walla Walla, Yakima
$541,287
$693,050
$837,700
$1,041,125
Chelan, Douglas, Thurston
$586,500
$750,800
$907,550
$1,127,900
Clark, Skamania
$701,500
$898,050
$1,085,550
$1,349,050
Island
$671,600
$859,750
$1,039,250
$1,291,550
King, Pierce, Snohomish
$1,063,750
$1,361,800
$1,646,100
$2,045,700
Kitsap
$616,400
$789,100
$953,850
$1,185,400
San Juan
$680,800
$871,550
$1,053,500
$1,309,250
Skagit
$621,000
$795,000
$960,950
$1,194,250
Whatcom
$664,700
$850,950
$1,028,600
$1,278,300
Whitman
$579,600
$742,000
$896,900
$1,114,650
IDAHO 2025 FHA LOAN LIMITS
COUNTIES
SINGLE
DUPLEX
TRI-PLEX
4-PLEX
Adams, Bannock, Bear Lake, Benewah, Bingham, Bonner, Bonneville, Boundary, Butte, Caribou, Cassia, Clark, Clearwater, Custer, Elmore, Franklin, Fremont, Gooding, Idaho, Jefferson, Jerome, Latah, Lemhi, Lewis, Lincoln, Madison, Minidoka, Nez Perce, Oneida, Payette, Power, Shoshone, Twin Falls, Washington
$524,225
$671,200
$811,275
$1,008,300
Kootenai
$572,700
$733,150
$886,200
$1,101,350
Valley
$573,850
$734,650
$888,000
$1,103,550
Ada, Boise, Canyon, Gem, Owyhee
$586,500
$750,800
$907,550
$1,127,900
Blaine, Camas
$759,000
$971,650
$1,174,500
$1,459,650
Teton
$1,209,750
$1,548,975
$1,872,225
$2,326,875
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)
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