For 2026, the FHA loan limits within Washington county, in District of Columbia, DC, are defined as follows: a single-family home has a limit of $1,089,300, properties with two units have a cap of $1,394,775, for three units it's $1,685,850, and for four units, the maximum is $2,095,200.
In terms of conventional loans, the highest possible amount for single-family residences is $1,089,300. For two-unit properties, the limit is $1,394,775; for three units, it's $1,685,850, and for four-unit homes, the cap is $2,095,200.
Take advantage of our FHA calculator to explore the current best FHA rates available, and determine the needed down payment, income, credit, reserves, and required documentation to qualify successfully.
The Lendersa® calculator permits you to compare FHA rates and terms alongside those from diverse loan programs. Explore and contrast options such as conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, all in relation to FHA offerings.
By collecting data from thousands of different lenders, Lendersa® quickly evaluates and matches it to your specific financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Washington county, District of Columbia, DC, provides an insightful analysis of maximum loan amounts for various categories. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification requirements, such as income, reserves, and credit criteria, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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