Washington State 2024 Conforming Loan Limits

The maximum baseline for the 2024 conforming loan limit values in Washington state has increased by 5.56% from 2023. This is due to houses prices having increased 5.56%, on average, between the third quarter of 2022 and 2023, according to the FHFA's seasonally adjusted house price index data. 

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 $766,550 $981,500$1,186,350$1,474,400
Asotin $766,550$981,500$1,186,350$1,474,400
Benton $766,550$981,500  $1,186,350$1,474,400
Chelan $766,550$981,500  $1,186,350$1,474,400
Clallam $766,550$981,500$1,186,350$1,474,400
Clark $766,550$981,500$1,186,350$1,474,400
Columbia $766,550$981,500$1,186,350$1,474,400
Cowlitz $766,550$981,500$1,186,350$1,474,400
Douglas $766,550$981,500 $1,186,350$1,474,400
Ferry $766,550$981,500$1,186,350$1,474,400
Franklin $766,550 $981,500$1,186,350$1,474,400
Garfield $766,550$981,500 $1,186,350$1,474,400
Grant $766,550$981,500$1,186,350$1,474,400
Grays Harbor $766,550$981,500 $1,186,350$1,474,400
Island $766,550$981,500$1,186,350$1,474,400
Jefferson $766,550$981,500$1,186,350  $1,474,400
King $977,500$1,251,400$1,512,650$1,879,850
Kitsap $766,550$981,500$1,186,350$1,474,400
Kittitas $766,550$981,500 $1,186,350$1,474,400
Klickitat $766,550$981,500$1,186,350 $1,474,400
Lewis $766,550$981,500$1,186,350$1,474,400
Lincoln $766,550$981,500$1,186,350 $1,474,400
Mason $766,550$981,500$1,186,350$1,474,400
Okanogan $766,550$981,500$1,186,350$1,474,400
Pacific $766,550$981,500$1,186,350$1,474,400
Pend Oreille County $766,550$981,500 $1,186,350$1,474,400
Pierce $977,500$1,251,400$1,512,650$1,879,850
San Juan $766,550$981,500$1,186,350$1,474,400
Skagit $766,550$981,500$1,186,350$1,474,400
Skamania $766,550$981,500$1,186,350$1,474,400
Snohomish $977,500$1,251,400$1,512,650$1,879,850
Spokane $766,550$981,500$1,186,350$1,474,400
Stevens $766,550$981,500 $1,186,350$1,474,400 
Thurston $766,550$981,500$1,186,350$1,474,400
Wahkiakum $766,550$981,500$1,186,350$1,474,400
Walla Walla $766,550$981,500$1,186,350 $1,474,400
Whatcom $766,550$981,500$1,186,350$1,474,400
Whitman $766,550$981,500$1,186,350$1,474,400
Yakima $766,550$981,500$1,186,350$1,474,400

 

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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.