VA Loan Limits in Snohomish County, Washington (2026)
For 2026, the VA loan limit in Snohomish County is $1,037,800 for a single-family home — the cap that applies to veterans with partial entitlement. Snohomish County is a designated high-cost area.
| 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 |
VA affordability around Snohomish County
Snohomish County's median sits around $720,000. Because VA requires no down payment and no PMI, a Snohomish County-area buyer finances the price plus a ~$15,480 funding fee, landing near $5,197/month at a sample 6.25% rate — often less than renting.
$0-down VA payment scenarios in Snohomish County
Here is how a $0-down VA payment scales across Snohomish County price points (funding fee financed, no PMI, sample 6.25% rate):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $518,000 | $0 | $3,772 |
| Local median — $720,000 | $0 | $5,197 |
| Higher-end — $972,000 | $0 | $6,975 |
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 Snohomish County too — get alerts.
VA multi-unit limits in Snohomish County
VA also finances 2-4 unit homes in Snohomish County with $0 down if you live in one unit — $1,328,671 for a duplex, $1,606,144 for a triplex, and $1,996,028 for a fourplex (partial-entitlement caps). Rent from the other units can help you qualify.
Be First to Know When VA Rates Move
VA rates move daily and an IRRRL can save thousands. We will tell you the moment it makes sense.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Snohomish County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Snohomish 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 Snohomish County?
- Eligible veterans can buy with no down payment at all. On a median $720,000 Snohomish County home that is $0 down, with a one-time funding fee of about $15,480 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Snohomish 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 Snohomish County a high-cost VA county?
- Yes — Snohomish County's partial-entitlement limit of $1,037,800 is above the $832,750 national baseline.