VA loans in Seattle.
The King County figure on this page is a county reference only, not an address-based lookup for Seattle. Confirm the property's county, and which local offices serve the address, before relying on it.
King County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · King County (FIPS 53033)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
King County carries a $1,063,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Seattle. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionSeattle's Permit & Site History tool pulls old and new permit systems together
Seattle's Department of Construction and Inspections (SDCI) says researching a property's permit history often means consulting several sources. It recommends starting with the Permit & Site History Research Tool. Enter an address or pick a site on a map to see a Site Characteristics Report with current zoning overlays, links to the King County Assessor and SDCI's GIS map, and records from both the current Accela system and older permitting systems.
Many plans, documents and historical permits can be downloaded and filtered by date, record type or keyword. The tool also shows how addresses relate to development sites. Practical step: search the address and the surrounding site, because older permits may be filed under a related address.
When a Seattle record cannot be found online, try the SDCI Microfilm Library
SDCI's help guide for its permit and property records search explains that documents can be searched by project or permit number, or by address, but not both at once. If a document cannot be found, it may not have been scanned or uploaded yet, or in rare cases it may have been indexed incorrectly and will not appear in a typical search.
In those cases, the guide directs users to the SDCI Public Resource Center or the Microfilm Library, and it also explains documents at related addresses. Practical step: if a seller describes permitted work that you cannot find online, ask the Public Resource Center to check microfilm and related addresses before you conclude the work was unpermitted.
- FHFA — Conforming loan limit values
- Seattle SDCI — Research a Project, Permit, or Property
- Seattle SDCI — Help for Permit and Property Records Search (PDF)
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
Owner-occupied 2–4 units are eligible.
VA allows purchases up to four units as long as you occupy one of them. Whether any projected rental income counts toward your qualifying ratios is a lender and VA underwriting decision, not an automatic allowance. The one-unit county value above is still the figure used in entitlement calculations on a 2–4 unit property.
Run the house-hack calculatorVA loan programs available in WA.
$0 down in Seattle. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of WA veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Seattle, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Seattle purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Seattle — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Seattle is King County (FIPS 53033), whose official 2026 one-unit value is $1,063,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Seattle with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Seattle — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.