Loan limits
2026 Washington loan limits by county
Loan limits decide which program fits your loan amount. Borrow above the conforming limit and you need a jumbo loan; above the FHA limit and FHA isn't an option. Here are the 2026 limits for single-family homes in every Washington county.
Reviewed by Clint Aguon, CEO & Loan Officer · NMLS #1893008 · Updated September 2026
The quick version
- Conforming (conventional): $1,063,750 in King, Pierce and Snohomish counties; $832,750 everywhere else in Washington.
- FHA: from $541,287 to $1,063,750 depending on the county (table below).
- VA: no loan limit for borrowers with full entitlement. With partial entitlement, the county conforming limit is used to figure how much you can borrow with no down payment.
- Reverse mortgage (HECM): $1,249,125 statewide — the maximum home value used in the calculation.
2026 single-family loan limits by county
| County | Conforming | FHA |
|---|---|---|
| Adams | $832,750 | $541,287 |
| Asotin | $832,750 | $541,287 |
| Benton | $832,750 | $541,287 |
| Chelan | $832,750 | $586,500 |
| Clallam | $832,750 | $541,287 |
| Clark | $832,750 | $701,500 |
| Columbia | $832,750 | $541,287 |
| Cowlitz | $832,750 | $541,287 |
| Douglas | $832,750 | $586,500 |
| Ferry | $832,750 | $541,287 |
| Franklin | $832,750 | $541,287 |
| Garfield | $832,750 | $541,287 |
| Grant | $832,750 | $541,287 |
| Grays Harbor | $832,750 | $541,287 |
| Island | $832,750 | $671,600 |
| Jefferson | $832,750 | $541,287 |
| King | $1,063,750 | $1,063,750 |
| Kitsap | $832,750 | $616,400 |
| Kittitas | $832,750 | $541,287 |
| Klickitat | $832,750 | $541,287 |
| Lewis | $832,750 | $541,287 |
| Lincoln | $832,750 | $541,287 |
| Mason | $832,750 | $541,287 |
| Okanogan | $832,750 | $541,287 |
| Pacific | $832,750 | $541,287 |
| Pend Oreille | $832,750 | $541,287 |
| Pierce | $1,063,750 | $1,063,750 |
| San Juan | $832,750 | $680,800 |
| Skagit | $832,750 | $621,000 |
| Skamania | $832,750 | $701,500 |
| Snohomish | $1,063,750 | $1,063,750 |
| Spokane | $832,750 | $541,287 |
| Stevens | $832,750 | $541,287 |
| Thurston | $832,750 | $586,500 |
| Wahkiakum | $832,750 | $541,287 |
| Walla Walla | $832,750 | $541,287 |
| Whatcom | $832,750 | $664,700 |
| Whitman | $832,750 | $579,600 |
| Yakima | $832,750 | $541,287 |
Limits for 2–4 unit properties are higher; ask us for yours.
Limits shown are for 2026 and are updated each January.
What if my loan is above the limit?
You'll need a jumbo loan, or a larger down payment to bring the loan under the limit. On the Eastside, many purchases land above $1,063,750 — see our Jumbo loans page, or ask us to compare both approaches.
Sources: FHFA 2026 conforming limits; HUD 2026 FHA limits; NRMLA/HUD 2026 HECM limit.
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