As of 2026, FHA loan limits in Spokane, county of Spokane, WA, are $472,030 for single-family homes. For two-unit properties, the limit is $604,400; for three units, it's $730,525; for four-unit buildings, it's $907,900.
The maximum for conventional loans is $726,200 for a single-family residence, with $929,850 for two-unit homes, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to see today’s optimal FHA rates and find out the needed downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Consider Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans alongside FHA.
Lendersa® sources thorough data from thousands of lenders to provide rapid comparisons tailored to your financial profile and needs.
The Loan Limits Table for 2026 in Spokane, Spokane, WA, enables you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualification requirements like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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