VA Loan Limits in King County, Washington (2026)
Veterans buying in King County or elsewhere in King County, Washington see a 2026 VA county loan limit of $1,037,800 for one unit. King County's high-cost status lifts it above the $832,750 baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,037,800 |
| Two-unit (duplex) | $1,328,671 |
| Three-unit (triplex) | $1,606,144 |
| Four-unit (fourplex) | $1,996,028 |
How much home can you afford in King County?
A VA buyer near King County can put $0 down on a $860,000 home. Add the one-time funding fee (~$18,490, financed), skip mortgage insurance entirely, and the monthly cost runs about $6,185 at 6.25%.
$0-down VA payment scenarios in King County
What a zero-down VA payment looks like across King County budgets (no monthly mortgage insurance):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $619,000 | $0 | $4,484 |
| Local median — $860,000 | $0 | $6,185 |
| Higher-end — $1,161,000 | $0 | $8,309 |
Estimates include the financed funding fee plus Washington property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near King County too — get alerts.
VA multi-unit limits in King County
King County's 2026 VA multi-unit caps reach $1,328,671 (duplex), $1,606,144 (triplex), and $1,996,028 (fourplex). Live in one unit, rent the rest, and finance it all with $0 down.
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Frequently Asked Questions
- What is the VA loan limit in King County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in King County is $1,037,800 (one unit), $1,328,671 (duplex), $1,606,144 (triplex), and $1,996,028 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in King County?
- Eligible veterans can buy with no down payment at all. On a median $860,000 King County home that is $0 down, with a one-time funding fee of about $18,490 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in King County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is King County a high-cost VA county?
- Yes — King County's partial-entitlement limit of $1,037,800 is above the $832,750 national baseline.