As of 2026, the FHA loan limits in Spanaway county, Pierce, WA, are set at $977,500 for single-family homes, $1,251,400 for a duplex, $1,512,650 for a triplex, and $1,879,850 for a four-plex.
For conventional loans, the limit on a single-family residence is $977,500, for two units it's $1,251,400, for three units $1,512,650, and for four units $1,879,850.
Utilize our FHA calculator to access today’s top rates and learn about the downpayment, income, credit, reserves, and required documents for qualification.
Lendersa® calculator helps compare FHA rates with other programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects data from thousands of lenders to match it quickly with your financial profile and requirements.
Loan Limits Comparison for 2026 in Spanaway county, Pierce, WA: compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| USDA | $713,000 | $713,000 | $713,000 | $713,000 |
| VA | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 |
| 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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