Team Kristen arranges home purchase and refinance loans throughout Pierce County, Washington, including Tacoma, Lakewood, Puyallup, University Place, Bonney Lake, Gig Harbor, Spanaway, Sumner, Graham and Orting. The 2026 conforming loan limit for a one-unit home in Pierce County is $1,063,750, and the FHA limit is also $1,063,750.
2026 loan limits in Pierce 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 Pierce 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.
Service members and veterans stationed at or retiring from Joint Base Lewis-McChord can use VA financing with no down payment and no monthly mortgage insurance. See VA loans in Washington.
Programs that fit Pierce 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
Tacoma, Lakewood, Puyallup, University Place, Bonney Lake, Gig Harbor, Spanaway, Sumner, Graham, Orting, and every other address in Pierce County. County seat: Tacoma.
Common questions
What is the 2026 conforming loan limit in Pierce 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 Pierce County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in Pierce County, including Tacoma.