Washington State Conforming Loan Limits
Conforming loans are conventional mortgages that meet size requirements for purchase by Fannie Mae and Freddie Mac.
Washington State Conforming Loan Limits – 2026
Understanding your mortgage options starts with knowing the conforming loan limits in your area. Each year, the Federal Housing Finance Agency (FHFA) adjusts these limits based on current home values and market trends. Conforming loans are conventional mortgages that meet size requirements for purchase by Fannie Mae and Freddie Mac — enabling broader lending options and typically lower rates than jumbo loans.
What Are Conforming Loan Limits?
Conforming loan limits represent the maximum loan amount that Fannie Mae and Freddie Mac will purchase or guarantee. Loans within these limits are treated as conforming loans, while loans above them are typically classified as jumbo loans, which often require stricter underwriting and larger down payments.
FHFA sets a baseline national loan limit each year, and certain high-cost areas may have elevated limits to better reflect local home prices.
2026 Conforming Loan Limits in Washington
For most counties in Washington State, the 2026 conforming loan limit for a single-family (1-unit) home is $832,750. In higher-cost markets — specifically King, Pierce, and Snohomish counties — the conforming limits are set higher to reflect local housing costs.
These updated limits apply to conventional mortgage loans originated in 2026 and are used to determine eligibility for conforming financing options.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| ADAMS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| ASOTIN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| BENTON | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| CHELAN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| CLALLAM | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| CLARK | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| COLUMBIA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| COWLITZ | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| DOUGLAS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FERRY | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FRANKLIN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| GARFIELD | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| GRANT | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| GRAYS HARBOR | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| ISLAND | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| JEFFERSON | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| KING | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| KITSAP | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| KITTITAS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| KLICKITAT | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| LEWIS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| LINCOLN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| MASON | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| OKANOGAN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| PACIFIC | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| PEND OREILLE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| PIERCE | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| SAN JUAN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SKAGIT | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SKAMANIA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| SNOHOMISH | $1,063,750 | $1,361,800 | $1,646,100 | $2,045,700 |
| SPOKANE | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| STEVENS | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| THURSTON | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| WAHKIAKUM | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| WALLA WALLA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| WHATCOM | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| WHITMAN | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| YAKIMA | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Why These Limits Matter
- Borrowing Power: Knowing your conforming loan limit helps you understand how much you can borrow while still qualifying for conventional financing that’s backed by Fannie Mae or Freddie Mac.
• Jumbo Loan Thresholds: If your desired mortgage amount exceeds the conforming limit in your county, your loan will be classified as a jumbo loan — which typically comes with different qualification standards.
• Mortgage Planning: Conforming limits are crucial when estimating costs, comparing loan programs, and budgeting for your purchase or refinance.
How Limits Are Set
FHFA reviews housing market data annually — including national and local home pricing trends — to determine conforming loan limits nationwide. These guidelines ensure that conventional loan limits keep pace with changing market conditions.
Need Help Navigating Loan Options?
Whether you’re buying your first home, upgrading in Washington, or refinancing an existing loan, understanding how conforming limits affect your mortgage strategy is key. Our mortgage experts can walk you through your options and help you find the right loan for your goals.
Contact us today to learn how conforming limits might impact your home financing, and get personalized guidance tailored to your situation.
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