In the county of Whatcom, WA within Birch-Bay, FHA loan limits for the year 2026 are defined as $442,750 for a single-family home, with a limit of $566,800 for a duplex, $685,100 for a triplex, and $851,450 for a complex of four units.
For conventional loans, the maximum amounts set for a single-family home are $548,250, increasing to $702,000 for two units, $848,500 for three-unit properties, and $1,054,500 for properties with four separate units.
Deploy our FHA calculator to view the most advantageous FHA rates of today and determine the needed downpayment, income, credit score, and reserves, plus the documentation required for eligibility.
The Lendersa® calculator is designed to allow comparisons between FHA rates and terms with those of alternative loan offerings, such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans.
Receiving loan program details from an expansive network of lenders, Lendersa® swiftly aligns them with your unique financial requirements and circumstances in just moments.
For 2026 loan limit comparisons in Birch-Bay county of Whatcom, WA, refer to our comprehensive table encompassing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To delve deeper into qualifications like income, reserves, and credit standards, turn to Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $442,750 | $566,800 | $685,100 | $851,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $354,200 | $354,200 | $354,200 | $354,200 |
| 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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