2023 Washington FNMA & FHLMC - WA Fannie Mae & Freddie Mac Loan limits  (official FHFA 2023 Conforming Loan Limits)

FHFA has announced the official 2023 Conforming Loan Limits for Fannie Mae and Freddie Mac  Conforming Loans.  Fannie Mae & Freddie Mac now have increased conventional Loan Limits for 2023, with some Seattle Area Counties increasing to $977,500.  The standard conventional loan limit is now at $726,200 across much of the USA. This is also called the Conforming Loan Limit ($726K).  High Cost Areas have loan limits based on the HERA housing bill, and are also called Conforming Jumbo, High Balance, or Super Conforming loans.

>> Go Here for 2023 Washington State FHA Loan Limits

>> Go Here for 2023 Washington State VA Loan Limits   

There are different ratios and loan to value ratios for the Fannie Mae & Freddie Mac loans that exceed the standard limit of $726K.  When you exceed $726K, Fannie and Freddie require a minimum of 5% down payment and a maximum debt ratio of 50%.

We offer Conforming Jumbo Loans (aka High Balance) for Single Family Homes up to $977,500 in King, Snohomish, and Pierce Counties, and up to $726,200 for the rest of Washington state. 

Check out the Loan limits for 2023 in your County:

County Name           Single Family Duplex             Tri-plex           Four-plex

ADAMS                        $726,200         $929,850          $1,123,900     $1,396,800

ASOTIN                        $726,200         $929,850          $1,123,900      $1,396,800

BENTON                      $726,200         $929,850          $1,123,900      $1,396,800

CHELAN                      $726,200          $929,850          $1,123,900      $1,396,800

CLALLAM                    $726,200         $929,850          $1,123,900      $1,396,800

CLARK                         $726,200         $929,850          $1,123,900      $1,396,800

COLUMBIA                  $726,200         $929,850          $1,123,900      $1,396,800

COWLITZ                     $726,200         $929,850          $1,123,900      $1,396,800

DOUGLAS                   $726,200         $929,850          $1,123,900      $1,396,800

FERRY                         $726,200         $929,850          $1,123,900      $1,396,800

FRANKLIN                   $726,200         $929,850          $1,123,900      $1,396,800

GARFIELD                  $726,200         $929,850          $1,123,900      $1,396,800

GRANT                        $726,200         $929,850          $1,123,900      $1,396,800

GRAYS HARBOR       $726,200         $929,850          $1,123,900      $1,396,800

ISLAND                       $726,200         $929,850          $1,123,900      $1,396,800

JEFFERSON              $726,200         $929,850          $1,123,900      $1,396,800

KING                          $977,500        $1,251,400        $1,512,650      $1,879,850

KITSAP                      $726,200          $929,850          $1,123,900      $1,396,800

KITTITAS                   $726,200          $929,850          $1,123,900      $1,396,800

KLICKITAT                $726,200          $929,850          $1,123,900      $1,396,800

LEWIS                       $726,200          $929,850          $1,123,900      $1,396,800

LINCOLN                  $726,200          $929,850          $1,123,900      $1,396,800

MASON                    $726,200          $929,850          $1,123,900      $1,396,800

OKANOGAN             $726,200          $929,850          $1,123,900      $1,396,800

PACIFIC                    $726,200          $929,850          $1,123,900      $1,396,800

PEND OREILLE       $726,200          $929,850          $1,123,900      $1,396,800

PIERCE                    $977,500        $1,251,400        $1,512,650      $1,879,850

SAN JUAN               $726,200          $929,850          $1,123,900      $1,396,800

SKAGIT                    $726,200          $929,850          $1,123,900      $1,396,800

SKAMANIA              $726,200          $929,850          $1,123,900      $1,396,800

SNOHOMISH           $977,500        $1,251,400        $1,512,650      $1,879,850

SPOKANE               $726,200          $929,850          $1,123,900      $1,396,800

STEVENS                $726,200          $929,850          $1,123,900      $1,396,800

THURSTON             $726,200          $929,850          $1,123,900      $1,396,800

WAHKIAKUM          $726,200          $929,850          $1,123,900      $1,396,800

WALLA WALLA      $726,200          $929,850          $1,123,900      $1,396,800

WHATCOM             $726,200          $929,850          $1,123,900      $1,396,800

WHITMAN              $726,200          $929,850          $1,123,900      $1,396,800

YAKIMA                  $726,200          $929,850          $1,123,900      $1,396,800


VanDyk is proud to be a FHA Full Eagle Direct Endorsement Lender. What is that? We are a FHA Direct lender with the full support of HUD, the US Department of Housing & Urban Development. We offer FHA loans in all areas of Washington State for Purchase, Refinance, cash-out refinance or FHA Streamline. We also specialize in FHA Jumbo Loans, as available up to your County limit for FHA Loans. VanDyk Mortgage also offers VA Loans up to $726K (standard VA) and VA Jumbo Loans up to $2 million. 

VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

Call us today to get started on your new home purchase - 866-900-2342 toll free, talk or text Brian direct at 760-752-4480 or get started online here:  Get Pre-Approved Now.

We serve the entire state of Washington including:

We serve all of the following areas in Washington: Seattle, Greenwood, Bellevue, Kirkland, Redmond, Issaquah, Renton, Snoqualmie, North Bend, Carnation, Woodinville, Bothell, Kenmore, Shoreline, Shorewood, Edmonds, Northgate, University District, Queen Anne, Fremont, Magnolia, West Seattle, Bainbridge, Bremerton, Port Orchard, Port Angeles, Winslow, Keystone, Poulsbo, Sequim, Midway, Redondo, Des Moines, Kent, Auburn, Mercer Island, Snohomish, Everett, Lynnwood, Silver Lake, Marysville, Puyallup, Mill Creek, Duvall, Sammamish, Mountlake Terrace, Mukilteo, Monroe, Sultan, Goldbar, Lake Stevens, Arlington, Smoky Point, Burlington, Bellingham, Blaine, Ferndale, Oak Harbor, Stanwood, Anacortes, Mt. Vernon, Deming, Sedro Wooley, Yakima, Selah, Union Gap, Naches, Ellensburg, Kittitas, Richland, Benton City, Prosser, Mabton, Sunnyside, Granger, Buena, Zillah, Toppenish, Wapato, Kennewick, Pasco, Ritzville, Moses Lake, Wenatchee, Glacier, Cashmere, Port Townsend, Gig Harbor, Tukwila, Covington, Maple Valley, Black Diamond, Enumclaw, Buckley, Bonney Lake, Lakewood, University Place, Tacoma, Dupont, Spanaway, Graham, Yelm, Olympia, Tumwater, Vancouver, Lacey, Centralia, Chehalis, Longview, Kelso, Battleground, Brush Prairie, Washougal, Camas, Spokane, Spokane Valley, Liberty Lake, Newman Lake, Colbert, Deer Park, Newport, Airway Heights, Medical Lake, Cheney, Reardan, Davenport, Mead, Greenacres, Veradale, Nine Mile, 7 Mile, Five Mile, Juanita, Wedgewood, Rainier, Ballard, Phinney Ridge, Green Lake, Seattle, Bellevue, Kirkland, Redmond, Issaquah, Sammamish, Woodinville, Auburn, Kent, Federal Way, Black Diamond, Des Moines, Snohomish, Carnation, North Bend, Mill Creek, Bothell, Kenmore, Shoreline, Ballinger, San Juan, Edmonds, Maple Valley, Sahallee, Snoqualmie, Monroe, Everett, Mukilteo, Silver Lake, Edmonds, Marysville, Mount Vernon, Bellingham, Sehome, Lynden, Blaine, Burlington, Sedro Wooley, Everson, Whidbey Island, Camano Island, Port Orchard, Bremerton, Kitsap, Silverdale, Renton, Newcastle, Newport, Tukwila, SeaTac, Tacoma, Puyallup, Roy, Bonney Lake, Sumner, Olympia, Tumwater, Spokane, Spokane Valley, Newport, Yakima, Ellensburg, Kennewick, Richland, Pasco, Sunnyside, Prosser, Vancouver, Kelso, Clarkston, Pullman, and more.

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