In the year 2026, the FHA loan limits for Peaceful-Valley county, in Whatcom, WA, are as follows: $442,750 for a single-family home, increasing to $566,800 for 2-unit properties. It goes up further for 3-units at $685,100, and reaches $851,450 for 4-unit dwellings.
For conventional loans, the highest loan limit is $548,250 for a single-family home. For duplexes, it rises to $702,000, for triplexes it's $848,500, and for four-unit types, it's capped at $1,054,500.
Utilize our FHA calculator to find today's most competitive FHA rates. It helps determine the required downpayment, assesses your income, checks credit standing, estimates reserves, and outlines necessary documents for qualification.
The Lendersa® calculator empowers you to compare FHA rates and terms with every other loan program's offerings. Consider and explore options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, each juxtaposed with FHA packages.
By sourcing loan program data from a vast network of lenders, Lendersa® promptly compares these options against your particular financial profile and specific requirements.
The Loan Limits Comparison Table for 2026 within Peaceful-Valley of Whatcom, WA facilitates comparisons of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification necessities such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $442,750 | $566,800 | $685,100 | $851,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $354,200 | $354,200 | $354,200 | $354,200 |
| 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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