In 2026, the FHA loan limits in Ellensburg county of Kittitas, WA are set at $474,950 for single-family homes, $608,000 for two-unit properties, $734,950 for three units, and $913,350 for four-unit properties.
For conventional loans, the maximum amount for a single-family home is $726,200. Two-unit homes have a cap of $929,850, while three units can borrow up to $1,123,900, and four units have a limit of $1,396,800.
By using our FHA calculator, you can explore today's top FHA rates and calculate the required downpayment, income threshold, credit standing, reserves, and required documentation for qualification.
The Lendersa® calculator permits comparisons of FHA rates and terms with those of other loans, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles extensive loan program data from a vast network of lenders, rapidly aligning it with your unique financial profile and needs.
The 2026 Loan Limits Comparison Table in Ellensburg county of Kittitas, WA includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deeper comparison of qualifications like income, reserves, and credit score, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $474,950 | $608,000 | $734,950 | $913,350 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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