Washington State 2023 Conforming Loan Limits

Conforming loan limits have increased 9 - 10% YOY in 2023 for all counties in Washington state. 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 $726,200 $929,850  $1,123,900  $1,396,800 
Asotin $726,200 $929,850  $1,123,900  $1,396,800 
Benton $726,200 $929,850  $1,123,900  $1,396,800 
Chelan $726,200 $929,850  $1,123,900  $1,396,800 
Clallam $726,200 $929,850  $1,123,900  $1,396,800 
Clark $726,200 $929,850  $1,123,900  $1,396,800 
Columbia $726,200 $929,850  $1,123,900  $1,396,800 
Cowlitz $726,200 $929,850  $1,123,900  $1,396,800 
Douglas $726,200 $929,850  $1,123,900  $1,396,800 
Ferry $726,200 $929,850  $1,123,900  $1,396,800 
Franklin $726,200 $929,850  $1,123,900  $1,396,800 
Garfield $726,200 $929,850  $1,123,900  $1,396,800 
Grant $726,200 $929,850  $1,123,900  $1,396,800 
Grays Harbor $726,200 $929,850  $1,123,900  $1,396,800 
Island $726,200 $929,850  $1,123,900  $1,396,800 
Jefferson $726,200 $929,850  $1,123,900  $1,396,800 
King $977,500 $1,251,400 $1,512,650 $1,879,850  
Kitsap $726,200 $929,850  $1,123,900  $1,396,800 
Kittitas $726,200 $929,850  $1,123,900  $1,396,800 
Klickitat $726,200 $929,850  $1,123,900  $1,396,800 
Lewis $726,200 $929,850  $1,123,900  $1,396,800 
Lincoln $726,200 $929,850  $1,123,900  $1,396,800 
Mason $726,200 $929,850  $1,123,900  $1,396,800 
Okanogan $726,200 $929,850  $1,123,900  $1,396,800 
Pacific $726,200 $929,850  $1,123,900  $1,396,800 
Pend Oreille County $726,200 $929,850  $1,123,900  $1,396,800 
Pierce $977,500 $1,251,400 $1,512,650 $1,879,850  
San Juan $726,200 $929,850  $1,123,900  $1,396,800 
Skagit $726,200 $929,850  $1,123,900  $1,396,800 
Skamania $726,200 $929,850  $1,123,900  $1,396,800 
Snohomish $977,500 $1,251,400 $1,512,650 $1,879,850  
Spokane $726,200 $929,850  $1,123,900  $1,396,800 
Stevens $726,200 $929,850  $1,123,900  $1,396,800 
Thurston $726,200 $929,850  $1,123,900  $1,396,800 
Wahkiakum $726,200 $929,850  $1,123,900  $1,396,800 
Walla Walla $726,200 $929,850  $1,123,900  $1,396,800 
Whatcom $726,200 $929,850  $1,123,900  $1,396,800 
Whitman $726,200 $929,850  $1,123,900  $1,396,800 
Yakima $726,200 $929,850  $1,123,900  $1,396,800 

 

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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 6.750% 6.795% .125 $450,000.00 $2918.69
15-year Fixed Rate Purchase 6.250% 6.322% .125 $450,000.00 $3858.40

Interest Rates Effective: 12/20/2024

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.