In the year 2026, FHA loan limits in Oak-Harbor county of Island, WA are set at $431,250 for single-family homes, $552,050 for duplexes, $667,350 for triplexes, and $829,350 for quadruplexes.
Conventional loans have a maximum limit of $548,250 for a single-family home, $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for four-unit properties.
Use our FHA calculator to discover the best current FHA rates and understand the down payment, income, credit, reserves, and required documents necessary to qualify.
The Lendersa® calculator allows you to compare the rates and terms of the FHA program with other loan types like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates loan data from thousands of lenders, comparing it swiftly to your financial profile to determine the best suited options.
For 2026, the Loan Limits Comparison Table for Oak-Harbor county, Island, WA displays maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifying criteria like income, reserves, and credit score requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $431,250 | $552,050 | $667,350 | $829,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $366,500 | $366,500 | $366,500 | $366,500 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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