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View limits for: VA | FHA | conforming

This page includes the 2019 conforming loan limits for all Washington State counties, with some additional commentary about how and why these caps are set. Home loans that exceed the maximum amounts shown below are considered “jumbo” mortgages.

Effective November 2018 Sammamish Mortgage has expanded our high balance conforming loans to $726,525 regardless of the county loan limit. This allows our clients to avoid the tighter  loan guidelines and higher rates and costs generally associated with Jumbo Loans including options with less than 20% down.  

At a glance: The current single-family conforming loan limit for most counties in Washington State is $484,350 (an increase over the 2018 cap of $453,100). In the more expensive Seattle-area counties of King, Pierce and Snohomish, the single-family loan limit has been increased to $726,525 for 2019.

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2019 Conforming Loan Limits for Washington State

The table below shows conforming loan limits for all Washington counties, and for all four property types. Note: a “1-unit” property is a single-family home with one resident. The “2-unit” column applies to duplex-style properties with two separate residents, and so on. If you’re buying a single-family home or condo in Washington State, refer to the “1-unit” conforming loan limit column.

County1-Unit2-Unit3-Unit4-Unit
ADAMS$484,350$620,200$749,650$931,600
ASOTIN$484,350$620,200$749,650$931,600
BENTON$484,350$620,200$749,650$931,600
CHELAN$484,350$620,200$749,650$931,600
CLALLAM$484,350$620,200$749,650$931,600
CLARK$484,350$620,200$749,650$931,600
COLUMBIA$484,350$620,200$749,650$931,600
COWLITZ$484,350$620,200$749,650$931,600
DOUGLAS$484,350$620,200$749,650$931,600
FERRY$484,350$620,200$749,650$931,600
FRANKLIN$484,350$620,200$749,650$931,600
GARFIELD$484,350$620,200$749,650$931,600
GRANT$484,350$620,200$749,650$931,600
GRAYS HARBOR$484,350$620,200$749,650$931,600
ISLAND$484,350$620,200$749,650$931,600
JEFFERSON$484,350$620,200$749,650$931,600
KING$726,525$930,300$1,124,475$1,397,400
KITSAP$484,350$620,200$749,650$931,600
KITTITAS$484,350$620,200$749,650$931,600
KLICKITAT$484,350$620,200$749,650$931,600
LEWIS$484,350$620,200$749,650$931,600
LINCOLN$484,350$620,200$749,650$931,600
MASON$484,350$620,200$749,650$931,600
OKANOGAN$484,350$620,200$749,650$931,600
PACIFIC$484,350$620,200$749,650$931,600
PEND OREILLE$484,350$620,200$749,650$931,600
PIERCE$726,525$930,300$1,124,475$1,397,400
SAN JUAN$484,350$620,200$749,650$931,600
SKAGIT$484,350$620,200$749,650$931,600
SKAMANIA$484,350$620,200$749,650$931,600
SNOHOMISH$726,525$930,300$1,124,475$1,397,400
SPOKANE$484,350$620,200$749,650$931,600
STEVENS$484,350$620,200$749,650$931,600
THURSTON$484,350$620,200$749,650$931,600
WAHKIAKUM$484,350$620,200$749,650$931,600
WALLA WALLA$484,350$620,200$749,650$931,600
WHATCOM$484,350$620,200$749,650$931,600
WHITMAN$484,350$620,200$749,650$931,600
YAKIMA$484,350$620,200$749,650$931,600

How These Limits Are Set

Washington State conforming loan limits are determined by the Federal Housing Finance Agency (FHFA). The Housing and Economic Recovery Act of 2008 (HERA) requires the FHFA to monitor and track average home prices in the U.S., and to annually adjust the baseline jumbo loan limit as needed to reflect changes in national home values.

In other words, if prices go up considerably in a certain county, FHFA may increase the corresponding loan limits to keep pace with rising home values. That’s what happened from 2018 to 2019. Conforming limits are usually set at 115% of the median home price for each area, though they can exceed this level in some high-cost areas.

The 2019 conforming limit for most counties in Washington State will be $484,350. The four exceptions to this baseline amount are King, Pierce, Snohomish counties. (See the table above for county-by-county details.)

In recent years, FHFA has used the median home values estimated by the Federal Housing Administration (FHA), which is part of HUD. So there are several federal housing agencies involved in determining loan limits.

Why They Were Increased for 2019

In October 2018, we predicted that federal housing officials would increase the Seattle jumbo loan threshold in response to significant home-price gains that occurred during the year. That prediction turned out to be accurate. In fact, the FHFA raised limits across most of the country.

According to a November 2018 news release from FHFA:

“As a result of generally rising home values, the increase in the baseline loan limit, and the increase in the ceiling loan limit, the maximum conforming loan limit will be higher in 2019 in all but 47 counties or county equivalents in the U.S.

So the vast majority of counties across the U.S. will see higher caps in 2019, compared to 2018. Home prices nationally rose by an average of around 6.4% during 2018. In Washington, the median house value rose by around 6.1% as of November 2018, compared to a year earlier. That is why we are seeing higher Washington State conforming loan limits in 2019.

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