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WA
Washington
2024 Loan Rules & Limits
📊 Loan Limits (2024)
Conforming Limit
$977,500
FHFA single-family baseline
FHA Floor
$977,500
HUD single-family baseline
High-Cost Area: Parts of Washington may qualify for loan limits up to $1,149,825. Check with your lender for county-specific limits.
💰 Tax Climate
State Income Tax
No
No state income tax
🏛️ State Housing Agency
WSHFC
Available Programs
- WSHFC Home Advantage
- WSHFC House Key Opportunity
📋 Lending Notes
King (Seattle), Pierce (Tacoma), and Snohomish counties have significantly higher limits. No state income tax. Washington has a state capital gains tax on high earners (7%+). Real Estate Excise Tax (REET) applies on sales.
Loan limits effective January 1, 2024. Actual limits vary by county. Always verify current limits with your lender or at hud.gov and fhfa.gov.