2026 loan limits in Okanogan County, Washington
In Okanogan County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Okanogan County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Okanogan County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Okanogan County?
$541,287 for a one-unit home.
More for Okanogan County
Okanogan County property taxesFHA loan limits toolWashington closing costsBrewster 98812 market dataCarlton 98814 market dataConconully 98819 market dataCoulee Dam 99116 market dataElmer City 99124 market dataLoomis 98827 market dataMalott 98829 market dataMazama 98833 market dataMethow 98834 market dataOkanogan 98840 market data
2026 limits from HUD’s county files (Non-Metro). Conforming limits are set by the Federal Housing Finance Agency.