For 2026, the FHA loan limits in Spokane-Valley, located in Spokane county, WA, are as follows: a single-family home is limited to $356,362, two-unit properties to $456,275, three-unit homes to $551,500, and four-units to $685,400.
As for conventional loans, the maximum loan amount is $548,250 for a single-family house, $702,000 for two-unit dwellings, $848,500 for three units, and $1,054,500 for four-unit homes.
Our FHA calculator can assist you in finding today’s top FHA rates and in understanding the down payment, income requirements, credit score, reserves, and documentation needed to qualify.
The Lendersa® calculator lets you assess FHA rates and terms alongside a variety of other loan programs. Examine Conventional loans, Jumbo options, VA, USDA, Non-Qm, and hard money loans comparably with FHA offerings.
Lendersa® collects extensive loan program data from numerous lenders and rapidly matches it according to your financial profile and needs.
For 2026 in Spokane-Valley county of Spokane, WA, the Loan Limits Comparison Table compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For details on qualification requirements like income, reserves, and credit scores, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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