2026 Conforming Loan Limits in Washington State
The baseline limit for most counties in Washington for a single-family home in 2026 is:
➡️ $832,750
However, some higher-cost markets — particularly in the Seattle region — have increased conforming limits due to higher local housing prices:
➡️ $1,063,750 in King, Pierce & Snohomish Counties
2026 Washington State Loan Limits by County
County Metro Area 2026 Conforming Limit
Adams Othello, WA $832,750
Asotin Lewiston, ID-WA $832,750
Benton Kennewick-Richland $832,750
Chelan Wenatchee-East Wenatchee $832,750
Clallam Port Angeles $832,750
Clark Portland-Vancouver-Hillsboro $832,750
Cowlitz Longview-Kelso $832,750
Douglas Wenatchee-East Wenatchee $832,750
Franklin Kennewick-Richland $832,750
Grant Moses Lake $832,750
Grays Harbor Aberdeen $832,750
Island Oak Harbor $832,750
Jefferson Port Townsend $832,750
King Seattle-Tacoma-Bellevue $1,063,750
Kitsap Bremerton-Silverdale-Port Orchard $832,750
Kittitas Ellensburg $832,750
Lewis Centralia $832,750
Mason Shelton $832,750
Pierce Seattle-Tacoma-Bellevue $1,063,750
Skagit Mount Vernon-Anacortes $832,750
Skamania Portland-Vancouver-Hillsboro $832,750
Snohomish Seattle-Tacoma-Bellevue $1,063,750
Spokane Spokane-Spokane Valley $832,750
Stevens Spokane-Spokane Valley $832,750
Thurston Olympia-Lacey-Tumwater $832,750
Walla Walla Walla Walla $832,750
Whatcom Bellingham $832,750
Whitman Pullman $832,750
Yakima Yakima $832,750
How This Helps VA Buyers
Here’s the exciting part:
👉 VA Loans have no official county loan limits for buyers with full entitlement
But… conforming limits still matter because:
They affect how lenders price VA loans
They determine when extra scrutiny or overlays apply
They may impact jumbo VA underwriting requirements
Bottom line: Veterans can often buy well above the Fannie Mae limit while still enjoying $0 down options — especially in high-cost counties like King, Pierce, and Snohomish.
How This Helps First-Time Buyers
With higher limits:
✔ You don’t jump into jumbo loan rates as quickly
✔ You can put as little as 3% down on a conforming loan
✔ More homes qualify under standard guidelines
This opens up more inventory for first-time buyers who want affordability plus flexibility.
Planning to Buy in 2026? I Can Help.
Whether you’re buying in Seattle, Spokane, Bellingham, or anywhere in between — getting pre-approved early is the best way to secure the home you want.