Team Kristen arranges home purchase and refinance loans throughout King County, Washington, including Seattle, Bellevue, Kent, Renton, Federal Way, Kirkland, Redmond, Auburn, Sammamish, Issaquah, Burien, Shoreline, Maple Valley and Covington. The 2026 conforming loan limit for a one-unit home in King County is $1,063,750, and the FHA limit is also $1,063,750.
2026 loan limits in King County
| Loan type | 1-unit limit |
|---|---|
| Conforming (Fannie Mae / Freddie Mac) | $1,063,750 |
| FHA | $1,063,750 |
| VA (full entitlement) | No VA loan limit |
Source: FHFA and HUD 2026 limits. Updated each January.
Buying and refinancing in King County
Buyers here are working with the state's highest loan limits and frequent multiple-offer situations. Condo buyers need a lender that will approve the specific building, and ADU or DADU properties need a lender comfortable with the appraisal.
Programs that fit King County buyers
- Conventional (3% down for first-time buyers)
- FHA (3.5% down with a 580+ score)
- VA (0% down for eligible veterans)
- Jumbo for loans above $1,063,750
- Bank statement loans for self-employed buyers
- DSCR loans for rental properties
- WSHFC down payment assistance
Communities served
Seattle, Bellevue, Kent, Renton, Federal Way, Kirkland, Redmond, Auburn, Sammamish, Issaquah, Burien, Shoreline, Maple Valley, Covington, and every other address in King County. County seat: Seattle.
Common questions
What is the 2026 conforming loan limit in King County, WA?
$1,063,750 for a one-unit home. King, Pierce and Snohomish are Washington's high-cost counties.
Is there a mortgage broker who serves King County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in King County, including Seattle.