VA Loan Limits in Pierce County, Washington (2026)
For 2026, the VA loan limit in Pierce County is $977,500 for a single-family home — the cap that applies to veterans with partial entitlement. Pierce County is a designated high-cost area.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $977,500 |
| Two-unit (duplex) | $1,251,470 |
| Three-unit (triplex) | $1,512,821 |
| Four-unit (fourplex) | $1,880,051 |
VA affordability around Pierce County
A VA buyer near Pierce County can put $0 down on a $540,000 home. Add the one-time funding fee (~$11,610, financed), skip mortgage insurance entirely, and the monthly cost runs about $3,927 at 6.25%.
$0-down VA payment scenarios in Pierce County
VA payments in Pierce County at three price points — all $0 down with the funding fee rolled in:
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $389,000 | $0 | $2,862 |
| Local median — $540,000 | $0 | $3,927 |
| Higher-end — $729,000 | $0 | $5,261 |
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 Pierce County too — get alerts.
VA multi-unit limits in Pierce County
Thinking multi-unit near Pierce County? VA allows up to $1,251,470 on a duplex and $1,880,051 on a fourplex in Pierce County for partial-entitlement borrowers — and owner-occupants still put nothing down.
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Frequently Asked Questions
- What is the VA loan limit in Pierce County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Pierce County is $977,500 (one unit), $1,251,470 (duplex), $1,512,821 (triplex), and $1,880,051 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Pierce County?
- Eligible veterans can buy with no down payment at all. On a median $540,000 Pierce County home that is $0 down, with a one-time funding fee of about $11,610 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Pierce 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 Pierce County a high-cost VA county?
- Yes — Pierce County's partial-entitlement limit of $977,500 is above the $832,750 national baseline.