In 2026, the FHA loan limits for Bellingham county of Whatcom, WA are set: $603,750 for a single-family home, $772,900 for two units, $934,250 for three units, and $1,161,050 for four-unit structures.
For conventional loans, the highest allowed amount is $726,200 for single-family homes, $929,850 for two-unit dwellings, $1,123,900 for three units, and $1,396,800 when it's four units.
Our FHA calculator can help you uncover today's best FHA rates and figure out what's needed in terms of down payment, income, credit standing, reserves, and required documentation.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with all other loan programs. Dive into comparisons among Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans alongside FHA options.
Lendersa® aggregates loan program data from numerous lenders, offering a quick comparison against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Bellingham county of Whatcom, WA showcases maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification needs like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $411,200 | $411,200 | $411,200 | $411,200 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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