Port Townsend, Jefferson County
Jefferson County uses the baseline conforming and FHA limits, which cover most homes in Port Townsend. USDA zero-down is available in many surrounding areas.
We serve Port Townsend by phone, text and video from our office in Edmonds, in English or Spanish.
Local numbers
A $550,000 home with 10% down is a $495,000 loan. At today's lowest-cost 30-year fixed, 6.875%, that's about $3,252 a month in principal and interest, before roughly $390 in Jefferson County property tax and your insurance.
Common questions
On a $550,000 home with 10% down and today's lowest-cost 30-year fixed at 6.875%, principal and interest is about $3,252 a month. Jefferson County property tax adds roughly $390 a month, plus insurance and, under 20% down, mortgage insurance. The card on this page prices your own numbers.
Only partly. The Jefferson County FHA limit is $524,225, and a typical Port Townsend home with 3.5% down is above it, so most buyers here use conventional (up to $1,209,750) or VA, which has no limit with full entitlement. FHA still fits condos and homes below the limit.
Usually not. The 2026 conforming limit is $1,209,750, and a typical Port Townsend purchase lands well under it, so you get agency pricing from every lender we work with.
Yes. For eligible first-time buyers we can arrange assistance covering the 3.5% down payment plus up to 1.5% toward closing costs, up to 5% of the price. Tell the pre-approval you have under 5% saved and it prices the help on your Port Townsend purchase before anything is promised.
About ten minutes if you have your income and account balances handy. The letter reissues itself at any amount up to your maximum, so you can tailor it to each offer. If a listing agent wants to speak with the lender, that's a licensed originator, by phone, the same day.
