2026 Fannie Mae Loan Limits in Washington State – What Homebuyers Need to Know
Homebuyers in Washington State just got some good news. As home prices continue to rise across the state, the 2026 Fannie Mae conforming loan limits have increased, giving borrowers more buying power while still benefiting from the competitive pricing of conforming loans.
If you’re purchasing a home in 2026 — especially in competitive markets like Seattle, Tacoma, or Bellevue — these new limits could make a big difference in what you can afford.
In this guide, we’ll break down:
What conforming loan limits are
The new 2026 limits for Washington counties
High-cost areas where limits are higher
How this impacts VA and FHA buyers
How to qualify for the best rates in 2026
What Are Conforming Loan Limits?
Conforming loan limits are the maximum loan sizes that can be purchased by Fannie Mae & Freddie Mac. Staying under these limits means:
✔ Lower interest rates
✔ Easier qualification
✔ Smaller down payment options
✔ Faster underwriting approvals
Loans above these limits are considered jumbo loans, which may require higher credit scores or larger down payments.
2026 Conforming Loan Limits in Washington State
The baseline limit for most counties in Washington for a single-family home in 2026 is:
➡️ $832,750
However, some higher-cost markets — particularly in the Seattle region — have increased conforming limits due to higher local housing prices:
➡️ $1,063,750 in King, Pierce & Snohomish Counties
2026 Washington State Loan Limits by County
County Metro Area 2026 Conforming Limit
Adams Othello, WA $832,750
Asotin Lewiston, ID-WA $832,750
Benton Kennewick-Richland $832,750
Chelan Wenatchee-East Wenatchee $832,750
Clallam Port Angeles $832,750
Clark Portland-Vancouver-Hillsboro $832,750
Cowlitz Longview-Kelso $832,750
Douglas Wenatchee-East Wenatchee $832,750
Franklin Kennewick-Richland $832,750
Grant Moses Lake $832,750
Grays Harbor Aberdeen $832,750
Island Oak Harbor $832,750
Jefferson Port Townsend $832,750
King Seattle-Tacoma-Bellevue $1,063,750
Kitsap Bremerton-Silverdale-Port Orchard $832,750
Kittitas Ellensburg $832,750
Lewis Centralia $832,750
Mason Shelton $832,750
Pierce Seattle-Tacoma-Bellevue $1,063,750
Skagit Mount Vernon-Anacortes $832,750
Skamania Portland-Vancouver-Hillsboro $832,750
Snohomish Seattle-Tacoma-Bellevue $1,063,750
Spokane Spokane-Spokane Valley $832,750
Stevens Spokane-Spokane Valley $832,750
Thurston Olympia-Lacey-Tumwater $832,750
Walla Walla Walla Walla $832,750
Whatcom Bellingham $832,750
Whitman Pullman $832,750
Yakima Yakima $832,750