2026 loan limits in Stevens County, Washington
In Stevens 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 Stevens 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 Stevens County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Stevens County?
$541,287 for a one-unit home.
More for Stevens County
Stevens County property taxesFHA loan limits toolWashington closing costsAddy 99101 market dataChewelah 99109 market dataClayton 99110 market dataColville 99114 market dataEvans 99126 market dataFord 99013 market dataFruitland 99129 market dataGifford 99131 market dataHunters 99137 market dataLoon Lake 99148 market data
2026 limits from HUD’s county files (Spokane-Spokane Valley, Wa). Conforming limits are set by the Federal Housing Finance Agency.