Veterans with full entitlement have no VA loan limit in Washington. With reduced entitlement, 2026 county limits in Washington range from $832,750 to $1,063,750 (King County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Washington (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| King County | $1,063,750 | $1,063,750 |
| Pierce County | $1,063,750 | $1,063,750 |
| Snohomish County | $1,063,750 | $1,063,750 |
| Adams County | $832,750 | $541,287 |
| Asotin County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Chelan County | $832,750 | $586,500 |
| Clallam County | $832,750 | $541,287 |
| Clark County | $832,750 | $701,500 |
| Columbia County | $832,750 | $541,287 |
| Cowlitz County | $832,750 | $541,287 |
| Douglas County | $832,750 | $586,500 |
| Ferry County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Garfield County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Grays Harbor County | $832,750 | $541,287 |
| Island County | $832,750 | $671,600 |
| Jefferson County | $832,750 | $541,287 |
| Kitsap County | $832,750 | $616,400 |
| Kittitas County | $832,750 | $541,287 |
| Klickitat County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Mason County | $832,750 | $541,287 |
| Okanogan County | $832,750 | $541,287 |
| Pacific County | $832,750 | $541,287 |
| Pend Oreille County | $832,750 | $541,287 |
| San Juan County | $832,750 | $680,800 |
| Skagit County | $832,750 | $621,000 |
| Skamania County | $832,750 | $701,500 |
| Spokane County | $832,750 | $541,287 |
| Stevens County | $832,750 | $541,287 |
| Thurston County | $832,750 | $586,500 |
| Wahkiakum County | $832,750 | $541,287 |
| Walla Walla County | $832,750 | $541,287 |
| Whatcom County | $832,750 | $664,700 |
| Whitman County | $832,750 | $579,600 |
| Yakima County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Washington?
Veterans with full entitlement have no VA loan limit in Washington. With reduced entitlement, 2026 county limits in Washington range from $832,750 to $1,063,750 (King County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.