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VA loans in Washington

Quick answer

VA loans in Washington let eligible veterans and service members buy with 0% down and no monthly mortgage insurance. With full entitlement there's no VA loan limit; a one-time funding fee applies unless exempt.

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

VA loan snapshot for Washington

ItemEstimate
Minimum down payment0%
Minimum credit scoreNo VA minimum (lenders often 580–620)
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 VA 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).

Who is eligible for a VA loan?

  • Veterans who meet minimum service requirements (commonly 90 consecutive days in wartime or 181 days in peacetime).
  • Active-duty service members after 90 continuous days.
  • National Guard and Reserve members with 6 years of service, or 90 days of active-duty service under Title 10/32.
  • Surviving spouses of service members who died in service or from a service-connected disability (in many cases).

What is the VA funding fee?

The fee can be financed into the loan. Veterans receiving VA disability compensation, and some others, are exempt. Fees shown are for purchase loans and may change.

Down paymentFirst useSubsequent use
Less than 5%2.15%3.3%
5% to under 10%1.5%1.5%
10% or more1.25%1.25%

VA loans in Washington cities

VA in SeattleVA in SpokaneVA in TacomaVA in VancouverVA in BellevueVA in KentVA in EverettVA in Spokane ValleyVA in RentonVA in Federal WayVA in YakimaVA in BellinghamVA in KirklandVA in AuburnVA in KennewickVA in PascoVA in RedmondVA in MarysvilleVA in South HillVA in SammamishVA in LakewoodVA in RichlandVA in ShorelineVA in LaceyVA in OlympiaVA in BurienVA in BothellVA in BremertonVA in EdmondsVA in PuyallupVA in LynnwoodVA in Lake StevensVA in IssaquahVA in ParklandVA in LongviewVA in WenatcheeVA in Mount VernonVA in GrahamVA in University PlaceVA in SpanawayVA in Walla WallaVA in Des MoinesVA in PullmanVA in SeaTacVA in OrchardsVA in Maple ValleyVA in CamasVA in TumwaterVA in Moses LakeVA in Mill Creek EastVA in Mercer IslandVA in Bainbridge IslandVA in Oak HarborVA in FredericksonVA in North LynnwoodVA in KenmoreVA in EastmontVA in Union Hill-Novelty HillVA in Cottage LakeVA in Hazel Dell

Frequently asked questions

Yes. VA 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.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Washington.

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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.