Check the property county and unit count
The figures below come from FHFA’s 2026 county list. The baseline one-unit limit for most U.S. counties is $832,750; higher-cost counties can have higher limits.
| Washington county | One-unit limit | Year |
|---|---|---|
| King | $1,063,750 | 2026 |
| Snohomish | $1,063,750 | 2026 |
| Pierce | $1,063,750 | 2026 |
A loan limit is not a budget recommendation
For an illustrative $1,150,000 purchase with $115,000 down, the starting loan is $1,035,000. That is below the listed one-unit limit in these counties. This arithmetic does not establish eligibility, affordability, or a rate.
Ask your loan officer to compare the specific programs available at your loan amount. A loan that fits the county limit still has to meet the applicable program and lender requirements.
Match the limits to your transaction
Confirm the applicable year, number of units, county, and agency before relying on a limit. FHA, VA, conventional, and lender portfolio products do not all use the same rules. Use the original agency source when a transaction spans a year-end change.
A few common questions
No. A purchase price and a loan amount are different. Your down payment, financing terms, and eligibility determine how those numbers relate.
No. Verify the applicable two-unit limit and program requirements in the official county list with your loan officer.
Read the original sources
Program rules and lender requirements can change. Confirm current terms before acting.