For buyers with solid credit and stable income, a Conventional Loan is often the most cost-effective path to homeownership in Washington. The state’s conforming loan limits follow a clean
three-county/rest-of-state split: King, Pierce, and Snohomish counties carry the $1,063,750 high-cost limit reflecting the Seattle metro’s elevated home prices, while all other 36 Washington counties follow the $832,750 national baseline.
Washington is notable for having no state income tax — no additional state-level cost that affects buyers’ effective purchasing power the way Virginia’s 5.75% or California’s 13.3% income taxes do. WSHFC’s conventional HFA loan products pair with the Home Advantage DPA for eligible buyers.
620; 700+ for the best rates
As low as 3% for first-time buyers; 5% for repeat buyers; 20% eliminates PMI
Generally up to 45%
$1,063,750 in King/Pierce/Snohomish; $832,750 in all other WA counties (2026)
Primary residences, second homes, and investment properties
King County ($1,063,750): Seattle (all ZIP codes), Bellevue, Kirkland, Redmond, Bothell, Renton, Kent, Auburn, Sammamish, Issaquah, Mercer Island, Medina, and every other community in King County. A Bellevue buyer financing a $1.1 million home can use conforming financing — lower rates, smaller down payment, more flexible qualification — rather than Jumbo.
Pierce County ($1,063,750): Tacoma, Lakewood, University Place, Puyallup, Bonney Lake, Fife, and JBLM communities (DuPont, Yelm). For JBLM-area buyers financing in the $400,000–$700,000 range, the elevated limit provides full conventional access.
Snohomish County ($1,063,750): Everett, Mukilteo, Lynnwood, Edmonds, Marysville, Monroe. Reflects its position as the northern extension of the Seattle-Tacoma MSA and Boeing employment hub.
All Other 36 Washington Counties ($832,750): Spokane, Yakima, Bellingham (Whatcom County), Tri-Cities (Benton/Franklin), Vancouver (Clark County), Kennewick, Walla Walla, Port Angeles (Clallam), Anacortes (Skagit), and all of Eastern Washington.
WSHFC’s HFA Advantage conventional products offer lower mortgage insurance rates and pair with the Home Advantage DPA second mortgage (3–5%, 0% interest, 30-year deferred) for eligible buyers meeting income guidelines.
$1,063,750 — applies to all communities in King County including Seattle, Bellevue, Kirkland, Redmond, and Mercer Island.
$832,750 — Spokane County follows the national baseline.
$1,063,750 — Pierce County carries the high-cost limit, providing maximum conforming access for buyers in Tacoma, Lakewood, DuPont, and JBLM-adjacent communities.
Yes. WSHFC’s HFA Advantage conventional product pairs with the Home Advantage DPA second mortgage (3–5%, 0% interest, 30-year deferred).
