In 2025, the FHA loan limits set for the county of Gig-Harbor, within Pierce, WA, are structured as follows: For a single-family home, you are looking at a cap of $776,250. If your interest lies in a two-unit property, the limit is extended to $993,750. For homes with 3-units, the allowable amount rises to $1,201,200, and for properties with 4 units, the limitations reach $1,492,800. These clearly defined limits ensure you know precisely what financial constraints exist for different residential properties.
For conventional loans, the maximum financing available for a single-family residence is $776,250. When it comes to two-unit properties, the maximum loan amount extends to $993,750. For three-unit constructions, the cap is set at $1,201,200, while properties with four units can secure loans up to $1,492,800. This tiered approach provides ample flexibility for potential investors and homeowners considering various property sizes.
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The Lendersa® calculator empowers you to explore and compare various financial options comprehensively. It enables direct comparisons of FHA loan rates and terms against those of numerous other lending programs, including a diverse selection such as Conventional loans, Jumbo loans, VA offerings, USDA options, Non-QM strategies, and hard money loans. This broad analysis helps establish a thoroughly informed perspective, vital for making prudent loan decisions.
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The Loan Limits Comparison Table for 2025 for Gig-Harbor, within Pierce, WA, gives a detailed overview of maximum amounts authorized for loans across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money programs. For better evaluation of detailed qualification requirements such as income benchmarks, reserve needs, and credit scores, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This is designed to provide a thorough assessment ensuring complete preparedness for any financial application process, catering to all decision-making needs.
| 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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