In 2026, FHA loan limits in Bainbridge-Island county of Kitsap, WA are $435,850 for single-family homes, $557,950 for two-unit dwellings, $674,450 for three units, and $838,200 for four units.
For conventional loans, the maximum amounts are $548,250 for single-family residences, $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for four-unit properties.
Our FHA calculator can help you check today's best FHA rates and determine the needed downpayment, income, credit, reserves, and documentation required for qualification.
Use the Lendersa® calculator to compare FHA rates and terms with other loan options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates loan data from numerous lenders, efficiently matching it to your financial profile.
For 2026, review the Loan Limits Comparison for Bainbridge-Island county of Kitsap, WA featuring FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. Compare requirements like income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $435,850 | $557,950 | $674,450 | $838,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $370,400 | $370,400 | $370,400 | $370,400 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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