Today's FHA Loan Rates in Washington, D.C.
Find out our latest FHA purchase and refinance rates in DC and get your personalized rate quote today.
FHA Home Loan Rates in Washington, D.C. for 2026
The FHA home loan rates on this page are a starting point, but your mortgage interest rate in D.C. will reflect both market conditions and your personal situation. If you want to check out D.C. mortgage rates for other types of loans, you can check out our state rates page.
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FHA Loan Limits in Washington, D.C. for 2026
FHA loan limits cap how much you can borrow using FHA financing and are updated annually to reflect changes in home prices.
For 2026, the 1-unit FHA loan limit in Washington, D.C. is $1,249,125, based on HUD data. The national single-family FHA loan floor is $541,287, and the high-cost ceiling is $1,249,125.
You can use our lookup tool to explore FHA limits across the country, including in neighboring counties in Virginia and Maryland.
Find your FHA loan limit
Select your state and county to see FHA forward loan limits for 1–4 unit properties.
FHA Payment Calculator
FHA loans require a Mortgage Insurance Premium, known as MIP, which allows borrowers to qualify with lower down payments by protecting lenders against losses. That includes an upfront MIP of 1.75% of the base loan amount, which is typically financed into the loan, and an annual premium that is broken down into your monthly payments.
If your FHA loan down payment is less than 10%, MIP lasts for the life of the loan. With a down payment of 10% or more, MIP can be removed after 11 years.
You can estimate a potential monthly FHA mortgage payment with MIP using our calculator. This tool is educational only and not a loan offer. To determine your actual payment, you’ll need to connect with a loan expert.
FHA Mortgage Calculator
Estimate your monthly FHA payment including P&I, upfront MIP (UFMIP), annual MIP, and optional property tax.
Monthly breakdown
Payment mix
How this calculator works
- Base loan = Home price − down payment amount.
- Upfront MIP (UFMIP) = Base loan × UFMIP rate. When financed, this is added to the loan balance used for P&I.
- Monthly P&I uses standard 30-year fixed amortization on the financed loan amount.
- Monthly MIP = (Annual MIP rate × Base loan) ÷ 12. Actual MIP depends on loan term, LTV, and case-specific FHA rules.
- Property taxes (optional) = Home price × annual tax rate ÷ 12.
Connect with an expert loan officer to find out what you qualify for.
FHA Loan Requirements for Washington, D.C. Borrowers
FHA eligibility guidelines are federally defined and apply consistently across all states, including Washington, D.C. Lenders evaluate several core factors during underwriting.
Credit Score and Down Payment Guidelines
Borrowers with a credit score of 580 or higher can qualify for the minimum 3.5% down payment. Borrowers with credit scores between 500 and 579 may qualify with a 10% down payment, subject to lender approval.
Down payment gifts from eligible donors are allowed when properly documented, which can help buyers using family assistance.
Debt-to-Income Ratio and Income Verification
Debt-to-income ratio measures how much of your gross monthly income goes toward debt payments. FHA generally prefers a DTI at or below 43%, though higher ratios may be approved in limited cases with strong compensating factors.
Property Eligibility and Occupancy Rules
Eligible properties include single-family homes, FHA-approved condominiums, and two- to four-unit properties if you live in one unit.
You must occupy the home as your primary residence within 60 days of closing.
Frequently Asked Questions
What Is the Typical Down Payment for an FHA Loan in Washington, D.C.?
Most borrowers with a credit score of 580 or higher need a 3.5% down payment.
How Do FHA Loan Limits Vary Across Washington, D.C. Counties?
Limits are set by county (or equivalent area), but every area in Washington, D.C. is at $1,249,125 for a 1-unit FHA loan in 2026.
What Credit Score Do I Need to Qualify for an FHA Loan?
A score of 580 or higher qualifies for 3.5% down. Borrowers with scores between 500 and 579 may qualify with 10% down.
How Does Mortgage Insurance Affect FHA Loan Payments?
FHA loans include both upfront and annual mortgage insurance, which increases monthly payments but allows easier qualification and lower down payments.
Can FHA Financing Be Used for Multi-Unit Properties in Washington, D.C.?
Yes. FHA allows financing for two- to four-unit properties in Washington, D.C. if you occupy one unit as your primary residence. Loan limits increase based on the number of units, with higher maximum amounts available for multi-unit properties.