As of 2026, the FHA loan limits in Mercer-Island county of King, WA are $776,250 for single-family homes, $993,750 for two units, $1,201,200 for three units, and $1,492,800 for four-unit properties.
The maximum loan amount for conventional loans on a single-family residence is $776,250. For two-unit buildings, it is $993,750, for three units, it is $1,201,200, and for four-unit properties, it is $1,492,800.
Utilize our FHA calculator to find today's best FHA rates and understand the requirements, including downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers detailed loan program data from a wide range of lenders, matching it to your financial profile efficiently.
For 2026, the Loan Limits Comparison for Mercer-Island county, King, WA includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. Compare qualification criteria like income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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