Team Kristen arranges home purchase and refinance loans throughout Spokane County, Washington, including Spokane, Spokane Valley, Liberty Lake, Cheney, Airway Heights and Deer Park. The 2026 conforming loan limit for a one-unit home in Spokane County is $832,750; loans above that are jumbo.
2026 loan limits in Spokane County
| Loan type | 1-unit limit |
|---|---|
| Conforming (Fannie Mae / Freddie Mac) | $832,750 |
| FHA | Set by HUD, at least $541,287. Look up Spokane County |
| VA (full entitlement) | No VA loan limit |
Source: FHFA and HUD 2026 limits. Updated each January.
Buying and refinancing in Spokane County
A strong relocation and military market. VA, FHA and first-time buyer programs are common, and USDA covers many outlying areas.
Service members and veterans stationed at or retiring from Fairchild Air Force Base can use VA financing with no down payment and no monthly mortgage insurance. See VA loans in Washington.
Programs that fit Spokane County buyers
- Conventional (3% down for first-time buyers)
- FHA (3.5% down with a 580+ score)
- VA (0% down for eligible veterans)
- USDA (0% down in eligible areas outside town centers)
- Bank statement loans for self-employed buyers
- DSCR loans for rental properties
- WSHFC down payment assistance
Communities served
Spokane, Spokane Valley, Liberty Lake, Cheney, Airway Heights, Deer Park, and every other address in Spokane County. County seat: Spokane.
Common questions
What is the 2026 conforming loan limit in Spokane County, WA?
$832,750 for a one-unit home. That's the national baseline; only King, Pierce and Snohomish counties are higher.
Is there a mortgage broker who serves Spokane County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in Spokane County, including Spokane.
Can I get a 0% down loan in Spokane County?
VA loans offer 0% down for eligible veterans anywhere in the county. USDA loans offer 0% down at USDA-eligible addresses, which include many areas outside town centers; income limits apply.