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 new loan limit for Washington State is $806,500. Additionally, the agency high balance loan limit increased to $1,037,300 for properties located in King, Pierce & Snohomish Counties. First Fed is now accepting applications with the new loan amount limit for estimated closing dates on or after 01/02/2025.

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.  

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. 

 

WA CountySingle Family Home
(1-Unit)
Duplex
(2 units)
Triplex
(3 units)
Fourplex
(4 units)
Adams $806,500$1,032,650$1,248,150$1,551,250
Asotin $806,500$1,032,650$1,248,150$1,551,250
Benton $806,500$1,032,650$1,248,150$1,551,250
Chelan $806,500$1,032,650$1,248,150$1,551,250
Clallam $806,500$1,032,650$1,248,150$1,551,250
Clark $806,500$1,032,650$1,248,150$1,551,250
Columbia $806,500$1,032,650$1,248,150$1,551,250
Cowlitz $806,500$1,032,650$1,248,150$1,551,250
Douglas $806,500$1,032,650$1,248,150$1,551,250
Ferry $806,500$1,032,650$1,248,150$1,551,250
Franklin $806,500 $1,032,650$1,248,150$1,551,250
Garfield $806,500$1,032,650$1,248,150$1,551,250
Grant $806,500$1,032,650$1,248,150$1,551,250
Grays Harbor $806,500$1,032,650$1,248,150$1,551,250
Island $806,500$1,032,650$1,248,150$1,551,250
Jefferson $806,500$1,032,650$1,248,150$1,551,250
King $1,037,300$1,327,950$1,605,200$1,994,850
Kitsap $806,500$1,032,650$1,248,150$1,551,250
Kittitas $806,500$1,032,650$1,248,150$1,551,250
Klickitat $806,500$1,032,650$1,248,150$1,551,250
Lewis $806,500$1,032,650$1,248,150$1,551,250
Lincoln $806,500$1,032,650$1,248,150$1,551,250
Mason $806,500$1,032,650$1,248,150$1,551,250
Okanogan $806,500$1,032,650$1,248,150$1,551,250
Pacific $806,500$1,032,650$1,248,150$1,551,250
Pend Oreille County $806,500$1,032,650$1,248,150$1,551,250
Pierce $1,037,300
$1,327,950
$1,605,200
$1,994,850
San Juan $806,500$1,032,650$1,248,150$1,551,250
Skagit $806,500$1,032,650$1,248,150$1,474,400
Skamania $806,500$1,032,650$1,248,150$1,551,250
Snohomish $1,037,300
$1,327,950
$1,605,200
$1,994,850
Spokane $806,500$1,032,650$1,248,150$1,551,250
Stevens $806,500$1,032,650$1,248,150$1,551,250
Thurston $806,500$1,032,650$1,248,150$1,551,250
Wahkiakum $806,500$1,032,650$1,248,150$1,551,250
Walla Walla $806,500$1,032,650$1,248,150$1,551,250
Whatcom $806,500$1,032,650$1,248,150$1,551,250
Whitman $806,500$1,032,650$1,248,150$1,551,250
Yakima $806,500$1,032,650$1,248,150$1,551,250

 

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Purchase: Conforming Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Purchase 6.500% 6.532% .000 $450,000.00 $2844.31
15-year Fixed Rate Purchase 5.875% 5.966% .250 $450,000.00 $3767.03

Interest Rates Effective: 11/29/2024

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.