During the year 2026, within the county of Cottage-Lake, which is part of King in WA, the FHA loan limits have been outlined as follows. For a dwelling that houses a single family, the limit is set at $776,250. If the property consists of two units, the limit increases to $993,750. For buildings that accommodate three families or units, the ceiling is $1,201,200, and, for those with four units, the FHA loan limit reaches $1,492,800.
When examining the conventional loan sector, the maximum loan that can be obtained for a single-family house is $776,250. This value is expanded for residences housing two units to $993,750. Properties possessing three units see a limitation of $1,201,200, while those with four separate living spaces are limited to $1,492,800 in terms of loan amount.
Our FHA calculator is a vital tool designed to help you discover today’s most advantageous FHA rates. It provides a comprehensive calculation of what is required for eligibility, including the down payment sum, income verification, credit review, reserve availability, along with documentation essentials.
The Lendersa® calculator serves as a useful resource, enabling a thorough comparison between the rates and terms associated with FHA loans and those available from a diverse portfolio of different lending programs. You can explore other options prominently encompassing Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM, and Hard Money loans alongside the FHA, furnishing you with a wide scope for decision-making.
Lendersa® efficiently aggregates and processes the vast array of loan program data sourced from thousands of lending entities. It provides a swift and highly detailed comparison aligned with your specific financial goals and lending requirements, taking only moments to complete.
Within the Cottage-Lake county of King, WA, the Loan Limits Comparison Table for the ongoing year, which is 2026, serves to showcase a side-by-side examination of the maximum permissible loan amounts. This includes a variety of lending options, such as FHA, Conventional Conforming, Jumbo loans, USDA, VA loans, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money lending avenues. To further help in assessing qualification requirements like income, reserves, and credit scoring, you can utilize the Lendersa® Super Loan Integrated Qualifier, abbreviated as SLIQ™, to streamline the decision-making process.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $776,250 | $993,750 | $1,201,200 | $1,492,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $776,250 | $993,750 | $1,201,200 | $1,492,800 |
| USDA | $659,800 | $659,800 | $659,800 | $659,800 |
| VA | $776,250 | $993,750 | $1,201,200 | $1,492,800 |
| 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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