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Kitsap County, Washington FHA, VA, and USDA Loan Information

Table of Contents

-Steps to purchase a home in Kitsap County
-What are the government loan limits in Kitsap County, WA?
-What parts of Kitsap County are eligible for USDA loans?
-Do I need flood insurance?
-How do I learn about Property Taxes in Kitsap County
-What is the median home price in Kitsap County, WA?
-How many people live in Kitsap County?
-What are the major cities?
-How do I see FHA- and VA-Approved homes for sale?
-Is there a cost to have a real estate agent represent me?
-What closing costs do I need?
-How can I get assistance with closing costs?
-About Kitsap County
-How much of a loan can I qualify for, based on my income?
-Approved Condominium Projects in Kitsap County

Steps to purchase a home in Kitsap County

Are you interested in buying a home in Kitsap County? This is a step by step guide to all the ins and outs of the homebuying process. For more detail about FHA loans, be sure to check out our complete guide. We also have an in-depth guide to VA loans and the USDA’s Rural Development home loan program.
For now, let’s look at the basic steps to buying a home – and what you’ll have to look out for in Kitsap County.

  1. Get in touch with a loan officer – give us a call at 877-432-5626 We can help you figure out what type of loan you might qualify for. Programs through the VA, USDA, and FHA allow you to buy a home with a small down payment – or no down payment at all. We will also check your credit and income to see how much of a loan you can qualify for. When we do this, we do a “soft pull” on your credit. This is different from an official credit inquiry and won’t hurt your credit score.
  2. Compare loan offers. Either call us or fill out the form by filling up the form at the top right of this page.
  3. Give your Loan Officer the information they need to find you a loan For a purchase loan or cash-out refinances:
    • Your ID
    • Previous two years of W2s
    • Most recent 30 days paystubs
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info
      For a refinance loan, you will also need information on the loan you want to refinance.
  4. Contact our Loan officers to compare the interest rates and APRS – but keep in mind that the fixed- and adjustable-rate mortgages are apples and oranges. Use the Loan Estimate to compare the true costs of each loan, both month-to-month and over the life of the mortgage.
  5. Find a home Get connected with a FedHome Loan Centers Real Estate Agent. Once you meet with them to talk about your wants and needs, you can sign up for the property search feed. This will give you alerts about homes for sale in Kitsap County. Now you’re ready to preview properties and start touring homes.
  6. Make an offer and negotiate the terms of the sale
  7. Get the necessary and recommended inspections Required Inspections:
    • Termite Inspection
    • Well or septic inspections, if applicable
    • We can help you check if your home is in one of the Kitsap County flood hazard areas.
      Recommended Inspections:
      Home Inspection, Roof Inspection, Sewer Inspection
  8. Get the home appraised Construction loans require a construction appraisal and permit approval
  9. Lock in your interest rate Pro Tip: Wait until the appraisal to lock in your loan rates. If it turns out you need to make repairs, it can push the closing back. Then you run the risk of losing that rate or having to pay an extension fee.
  10. Close the deal and get packing! You’re ready to go!


What are the Loan Limits for Kitsap County?

  • FHA Loan Limit $395,600 (Single family residence) / $506,450 (Duplex) / $612,150 (Triplex) / $760,750 (Fourplex)
  • USDA Loan Limit $336,200
  • VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400 *(Call 877-432-5626 for details).

What Parts of Kitsap County are eligible for USDA Loans?

  • Kitsap County is eligible for a USDA Rural Development home loan.
  • Eligible Zip Codes: 98110, 98311, 98340, 98342, 98345, 98346, 98359, 98366, 98367, 98370, 98380, 98392.

Do I need Flood Insurance?

  • The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas.
  • In Kitsap County, there are minimum flood hazard areas located around its bodies of water, many bodies of water. Including, Hood Canal, Liberty Bay, and Puget Sound.

How do I learn about Property Taxes in Kitsap County?

  • Phil Cook is the Kitsap county tax assessor. His office is located at 619 Division Street 2nd floor, Port Orchard, Washington 98366, and his office can also be reached by calling (360)337-7160.
  • Washington state offers about 50 tax incentives and deductions to bolster local business growth. Also, there are several tax credits programs for specific industries that meet requirements. Furthermore, deferral programs are also available for manufacturers, high technology businesses, and fruit & vegetable businesses.

What is the Median Home Price in Kitsap County?

The median home value for Kitsap County is $408,590. Also, the median household income for residents of the county is $71,610.

How many people live in Kitsap County?

As of 2019, Kitsap County’s population is 271,473, which includes about 32,777. Demographically speaking, 76% of the population is White, with 8% Hispanic, and 6% Mixed Race.

What are the major cities?

The county has four cities, including the city of Port Orchard, which serves as the county seat. Three other significant cities in the county are Bainbridge Island, Bremerton, and Poulsbo.

How do I see FHA- and VA-Approved homes for sale?

You can view all of the properties available for sale in Kitsap County through our Multiple Listing Service. In addition, you can see approved condos at the bottom of this page.

Is there a cost to have a real estate agent represent me?

The seller must pay the real estate professionals’ commission, not the buyer. This means that, as a homebuyer, there is no cost to have a real estate agent represent you. In fact, it’s a good idea to get your own agent in order to have someone in your corner during the negotiation process. For more information about real estate agents, click here.

What closing costs do I need?

For FHA loans, closing costs can end up being 3-4% of the loan amount. These costs include origination fees from the lender, any discount points purchased for a better interest rate, and pre-paid items like insurance and taxes.

How can I get assistance with closing costs?

There are several ways to reduce the amount you have to pay at closing. One way is to get down payment assistance. The FHA’s Within Reach program provides grants to help low- and middle-income families with their down payment.

About Kitsap County

Originally named Slaughter County, the county’s name was changed to Kitsap in honor of Native American Chief Kitsap from the Suquamish tribe. The county was established on January 16, 1857.

Currently, the biggest employer in the county is the U.S. Navy, which has several installations throughout the county. However, outside of the Navy, the most significant employment industries are in the healthcare, manufacturing, and retail industries. Therefore, the most common occupations are in the office, administrative, management, and sales-related sectors.

When it comes to education, the county is home to five school districts, which are all ranked above average and provide education for students ranging from pre-K to 12th grade. Higher education opportunities are also available with institutions like Olympic College, which offers four-year degrees, and Northwest College of Art & Design.

In addition to its workforce and educational institutions, the county is home to several recreational opportunities in parks like Newberry Hill and Chico Salmon Park. Additionally, the county has several museums where visitors can gain more knowledge outside of school. These include Puget Sound Navy Museum, Museum of Pop Culture, and the Naval Undersea Museum in addition to many others.

Furthermore, the county hosts several annual events that serve in strengthening the community. These events include several farmer’s markets, fairs and rodeos, and festivals. These include the Key Peninsula Community Fair, the Blackberry Festival, and the Bainbridge Island Farmers Market.  

How much of a loan can I qualify for, based on my income?

Monthly Income Purchase Price
$2,628.90 $195,175.91
$2,832.00 $210,254.55
$3,181.50 $236,202.27
$3,612.00 $268,163.64
$3,985.50 $295,893.18
$4,361.10 $323,778.64
$4,971.90 $369,125.91
$5,761.50 $427,747.73
$6,892.20 $520,625.00
$5,199.60 $368,791.82
$5,743.80 $408,815.91
$6,249.90 $450,287.73
$6,998.10 $501,960.45
$9,776.70 $725,845.91
$5,568.00 $413,381.82
$6,574.80 $488,129.09
$7,569.60 $561,985.45
$5,141.40 $381,710.00
$6,345.30 $471,090.45
$7,639.80 $567,197.27
$8,360.10 $620,674.09
$9,260.70 $687,536.82
$10,095.30 $749,499.55
$12,165.00 $903,159.09
$13,929.60 $1,034,167.27
$17,511.00 $1,300,059.09
$18,406.80 $1,366,506.06

Purchase Price subject to credit and income evaluation. 

Approved Condos in Kitsap County

Condo ID /
of Project
Not Uploaded


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