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

Table of Contents

-How to purchase a home in Kittitas County
-What are the government loan limits in Kittitas County, WA?
-What parts of Kittitas County are eligible for USDA loans?
-Do I need flood insurance?
-How do I learn about Property Taxes in Kittitas County
-What is the median home price in Kittitas County, WA?
-How many people live in Kittitas 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 Kittitas County
-How much of a loan can I qualify for, based on my income?
-Approved Condominium Projects in Kittitas County

How to purchase a home in Kittitas County

Are you interested in buying a home in Kittitas 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 Kittitas 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 Kittitas 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 Kittitas 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 Kittitas County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
  • USDA Loan Limit $265,400
  • 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 Kittitas County are eligible for USDA Loans?

  • Most of Kittitas County is eligible for a USDA Rural Development home loan.
  • Eligible Zip Codes: 98922, 98925, 98926, 98934, 98940, 98941, 98943, 98946.

Do I need Flood Insurance?

The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas. 

How do I learn about Property Taxes in Kittitas County?

  • Mike Hougardy is the Kittitas County tax assessor. His office is located at 205 West 5th Avenue, Suite 101, Ellensburg, Washington 98926, and, can also be reached by calling (509) 962-7501.
  • Washington state offers about 50 tax incentives and deductions that are meant to bolster local business growth. Also, there are several tax credits programs for specific industries that meet individual requirements. Furthermore, deferral programs are also available for manufacturers, high technology businesses, and fruit & vegetable businesses.

What is the Median Home Price in Kittitas County?

The median home value for Kittitas County is $348,830. At the same time, the median household income for residents of the county is $55,193.

How many people live in Kittitas County?

As of 2019, Kittitas County’s population is 47,935, which has grown by about 17%. Demographically speaking, 83% of the population is White, with 9% Hispanic, and 3% Mixed Race.

What are the major cities?

The county has five cities, including the city of Ellensburg, which serves as the county seat. When it comes to politics, most of the county’s residents are leaning conservative, having voted for the Republican candidate in the last five presidential elections.

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

You can view all of the properties available for sale in Kittitas 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 Kittitas County

Originally home to the Kittitas, who occupied the area for hundreds of years before European arrival. The county was eventually established in 1883 after the natives were pushed to the Yakama Indian Reservation. In its early years, the most significant industry was the lumber industry, as well as the production of flour and alfalfa.

Today the biggest employment industries in the county are educational services, retail trade, and accommodation/ food services. Hence the most common occupations for residents are in office administrative, education instruction, and management sectors.

As far as education is concerned, the county is served by five school districts, with 18 schools ranging from kindergarten to high school. In addition to its public schools, the county has a higher education institution, Central Washington University. Most graduates at this college get four-year degrees in the criminal justice, psychology, and elementary education fields.

People who enjoy the outdoors would be happy to call the county home due to it being so close to both the Snoqualmie and Wenatchee National Forests. Recreational activities available include camping, bird watching, fly fishing, golfing, and hiking.

Additionally, the county is host to several annual events like the Kittitas County Fair and Ellensburg Rodeo, both of which take place around Labor Day Weekend. The fair offers fun for the whole family with live music, thrilling park rides, and more food than one could imagine.    

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 Kittitas County

No VA or FHA approved condos are currently available in Kittitas County. However, if you’re still interested in getting a condo within the county we can help you through the approval process. Just give us a call at (877) 432-5626.

Make Your Dream Home a Reality in Kittitas County Today!

FedHome Loan Centers can help you find and finance the perfect home. Our application process is easy to complete! 

We can assists homeowners in financing a new condo or home. It is quick and easy to apply with FedHome Loan Centers