VA Loan Limits in Washington (2026)
For 2026, the VA county loan limit for most Washington counties is $832,750 for a single-family home — but only for veterans with partial entitlement. 3 higher-cost Washington counties go above that, up to $1,249,125.
With full VA entitlement, there is no loan limit in Washington — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Washington
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| King County | $1,037,800 | $1,328,671 | $1,996,028 | High-cost |
| Pierce County | $977,500 | $1,251,470 | $1,880,051 | High-cost |
| Snohomish County | $1,037,800 | $1,328,671 | $1,996,028 | High-cost |
| Spokane County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clark County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Thurston County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kitsap County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Yakima County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Skagit County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cowlitz County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Grant County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Franklin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Island County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lewis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Chelan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clallam County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Grays Harbor County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mason County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Walla Walla County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Whitman County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Whatcom County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Benton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Washington's median home price is roughly $610,000. With $0 down and no PMI, an example VA payment near that price is about $4,421/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Washington
The VA home-loan benefit lets eligible Washington veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Washington for 2026?
- With full entitlement, none. For partial entitlement, most Washington counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Washington require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.