Washington State 2025 Conforming Loan Limits
The Federal Housing Finance Agency (FHFA) has announced the new conforming loan limit values for mortgages acquired by Fannie Mae and Freddie Mac in 2025.
The table below shows the new conforming loan limits for all four property types that can be financed as residential loans. If you’re buying a condo or townhouse in Washington, refer to the “1-unit” conforming loan limit column.
2025 Conforming Loan Limits for Washington State
Single-Family Home (1 unit) | Duplex (2 units) | Triplex (3 units) | Fourplex (4 units) | |
All Washington Counties (except King, Snohomish, and Pierce) | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| King, Snohomish, and Pierce | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
First Fed is now accepting applications with the new loan amounts for estimated closing dates on or after 01/02/2025.
NOTE: Conforming loan limits are set each year by the Federal Housing Finance Agency (FHFA). If the property is more expensive than the conforming loan limit, it will need to be financed as a jumbo loan. If the property has more than four units, it will need to be financed with a commercial loan.
Get a Custom Loan Quote
Please provide the following information so that we can provide multiple options tailored to your needs.
Purchase: Conforming Loan Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Purchase | 6.875% | 6.908% | 0.000 | $450,000.00 | $2956.18 |
| 15-year Fixed Rate Purchase | 6.250% | 6.322% | .125 | $450,000.00 | $3858.40 |
Interest Rates Effective: 01/03/2025