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Jumbo loans in Washington

Quick answer

Jumbo loans in Washington are needed for loan amounts above $832,750 (higher in designated high-cost counties) and typically require 10%–20% down and 700+ credit.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

Jumbo loan snapshot for Washington

ItemEstimate
Minimum down payment10%–20%
Minimum credit score700+
Typical WA home value$519,800
3.5% down on typical home$18,193
20% down on typical home$103,960
Avg. effective property tax0.84%/yr (~$363/mo)
Income for typical home (31% rule)$162,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Washington programs pair with Jumbo loans?

  • Home Advantage DPA: Deferred down payment assistance paired with a Home Advantage first mortgage.
  • Opportunity DPA: A 1% deferred loan for lower-income first-time buyers.

Details and current limits: Washington State Housing Finance Commission (WSHFC).

Jumbo loan requirements

  • Credit: 700–720 minimum at many lenders.
  • DTI: often 43% or lower.
  • Reserves: 6–12+ months of principal, interest, taxes and insurance.
  • Full documentation; sometimes two appraisals for very large loans.

Alternatives to a jumbo loan

Some buyers use a 'piggyback' structure — a conforming first mortgage plus a second loan — to avoid jumbo requirements. A larger down payment that brings the loan under the conforming limit is another option.

Jumbo loans in Washington cities

Jumbo in SeattleJumbo in BellevueJumbo in BellinghamJumbo in KirklandJumbo in RedmondJumbo in SammamishJumbo in ShorelineJumbo in BothellJumbo in EdmondsJumbo in IssaquahJumbo in Maple ValleyJumbo in CamasJumbo in Mill Creek EastJumbo in Mercer IslandJumbo in Bainbridge IslandJumbo in KenmoreJumbo in EastmontJumbo in Union Hill-Novelty HillJumbo in Cottage LakeJumbo in Martha LakeJumbo in Silver FirsJumbo in MukilteoJumbo in SilverdaleJumbo in Bothell WestJumbo in Mill CreekJumbo in FairwoodJumbo in AnacortesJumbo in CamanoJumbo in LyndenJumbo in Bothell EastJumbo in ArtondaleJumbo in SnoqualmieJumbo in WoodinvilleJumbo in Lake Forest ParkJumbo in NewcastleJumbo in EdgewoodJumbo in RidgefieldJumbo in Liberty LakeJumbo in Lake TappsJumbo in East Renton HighlandsJumbo in Gig HarborJumbo in PoulsboJumbo in MaltbyJumbo in FelidaJumbo in Mount VistaJumbo in Lake Morton-BerrydaleJumbo in VashonJumbo in Port TownsendJumbo in Alderwood Manor

Frequently asked questions

Yes. Jumbo loans are available statewide in Washington through approved lenders, subject to county loan limits where they apply.

Often yes. Washington State Housing Finance Commission (WSHFC) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.