Home > Loan Programs > FHA Loans

FHA Loans in Seattle, WA

Couple reviewing FHA loan documents with Seattle mortgage broker
Looking to buy a home in Seattle but worried about credit or down payment? FHA loans might be the solution. Backed by the Federal Housing Administration, these loans are ideal for first-time buyers and those with moderate income or less-than-perfect credit. At Seattle Mortgage Brokers, we help you navigate the FHA process with clarity and speed.

Why Choose an FHA Loan?

  • Lower down payments — as little as 3.5%
  • Flexible credit requirements — past credit issues may not disqualify you
  • Competitive interest rates
  • Gift funds and down payment assistance programs allowed
  • Streamlined refinance options in the future

Who Qualifies for an FHA Loan in Washington?

To qualify, you typically need:

  • A credit score of at least 580 (some lenders accept lower with higher down payment)
  • Steady income and verifiable employment
  • A debt-to-income ratio that meets FHA guidelines
  • A home that meets HUD safety and livability standards

We walk you through every step to ensure you meet both FHA and Washington State lending guidelines.

Seattle Housing Market + FHA

In a high-cost market like Seattle, FHA loans can be especially helpful. While there are loan limits, many entry-level homes still fall under those caps. For 2025, the FHA loan limit in King County is $977,500 for a single-family home. This means you can still buy a starter home with a low down payment—even in a pricey zip code.

FHA vs. Conventional Loans

Wondering whether FHA or conventional is better? It depends on your situation. If you’ve got stronger credit and more money saved, conventional may save you on mortgage insurance. But if your priority is getting in the door with less upfront cash, FHA might win out. We’ll help you compare side by side.

Get Pre-Approved Today

The Seattle market moves fast. Pre-approval shows sellers you’re serious and helps you act quickly. At Seattle Mortgage Brokers, we offer fast FHA pre-approvals and guide you through documentation without the overwhelm.

Ready to get started? Contact us now or apply online. We’ll help you figure out if an FHA loan is the right fit—or if another option might serve you better.

Disclosures: FHA loans are subject to federal and state lending regulations. All loans are subject to underwriting approval. Terms and conditions apply. Seattle Mortgage Brokers LLC is licensed in Washington State. NMLS #761615. Equal Housing Opportunity.

For full details on the FHA loan program, visit the official HUD FHA Loan Overview.

← Return to Home

Back To Top