In 2026, the FHA loan ceiling for a single-family residence in Ferndale located within Whatcom, WA is $603,750. For housing with two, three, and four units, the respective limits are $772,900, $934,250, and $1,161,050.
Concerning conventional loans, the highest available amount for a single-family dwelling is $726,200. For properties with two, three, and four units, the limits are $929,850, $1,123,900, and $1,396,800, respectively.
Our FHA calculator lets you find today’s prime FHA rates and identify necessary criteria such as downpayment, income, credit checks, reserves, and required documentation for eligibility.
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The Lendersa® calculator allows you to contrast FHA rates and terms with those of other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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The Loan Limits Comparison Table for 2026 in the county of Ferndale, Whatcom, WA provides a comprehensive look at the maximum permitted amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review qualification details such as income, reserves, and credit criteria, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed comparison.
| 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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