USDA Guaranteed Loans are the most popular rural development mortgage program in Washington. Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.
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Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed Loans are variable, with Washington USDA income limits playing a major role. Guaranteed Loan income limits across WA are listed below.
Washington USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Adams County, WA | $86,850 | $114,650 |
| Bellingham, WA MSA | $91,000 | $120,100 |
| Bremerton-Silverdale, WA MSA | $98,350 | $129,800 |
| Clallam County, WA | $86,850 | $114,650 |
| Columbia County, WA HUD Metro FMR Area | $86,850 | $114,650 |
| Ferry County, WA | $86,850 | $114,650 |
| Garfield County, WA | $86,850 | $114,650 |
| Grant County, WA | $86,850 | $114,650 |
| Grays Harbor County, WA | $86,850 | $114,650 |
| Island County, WA | $89,550 | $118,200 |
| Jefferson County, WA | $86,850 | $114,650 |
| Kennewick-Richland, WA MSA | $89,700 | $118,400 |
| Kittitas County, WA | $86,850 | $114,650 |
| Klickitat County, WA | $86,850 | $114,650 |
| Lewis County, WA | $86,850 | $114,650 |
| Lewiston, ID-WA MSA | $86,850 | $114,650 |
| Lincoln County, WA | $86,850 | $114,650 |
| Longview, WA MSA | $86,850 | $114,650 |
| Mason County, WA | $86,850 | $114,650 |
| Mount Vernon-Anacortes, WA MSA | $87,400 | $115,350 |
| Okanogan County, WA | $86,850 | $114,650 |
| Olympia-Tumwater, WA MSA | $96,250 | $127,050 |
| Pacific County, WA | $86,850 | $114,650 |
| Pend Oreille County, WA HUD Metro FMR Area | $86,850 | $114,650 |
| Portland-Vancouver-Hillsboro, OR-WA MSA | $101,050 | $133,400 |
| San Juan County, WA | $88,400 | $116,700 |
| Seattle-Bellevue, WA HUD Metro FMR Area | $127,300 | $168,050 |
| Spokane, WA HUD Metro FMR Area | $86,850 | $114,650 |
| Stevens County, WA HUD Metro FMR Area | $86,850 | $114,650 |
| Tacoma, WA HUD Metro FMR Area | $92,200 | $121,700 |
| Wahkiakum County, WA | $86,850 | $114,650 |
| Walla Walla County, WA HUD Metro FMR Area | $86,850 | $114,650 |
| Wenatchee, WA MSA | $86,850 | $114,650 |
| Whitman County, WA | $86,850 | $114,650 |
| Yakima, WA MSA | $86,850 | $114,650 |
