The housing market has continued to hold steady in Washington state, Seattle in particular. As a result, lenders are starting to relax mortgage qualifying requirements and allowing for higher loan to value.
The more relaxed mortgage guidelines have worked their way into the Jumbo market as well. A Jumbo loan is a mortgage that exceeds the conforming loan limits of $832,750.
Some high-cost locations in WA can exceed this limit, like King County, that is set to $1,063,750 for 2026. But most of the state is capped at $832,750. Please find the complete county loan limit list below with muti-unit properties.
Seattle Jumbo loans with only 5% down payment are now available for new home buyers and existing homeowners that want to refinance. Here is a rundown of the latest jumbo qualifying criteria: This applies to both purchase and rate-term refinance transactions nationwide.
- 95% Financing Jumbo: Up to $2,000,000: min 700+ credit score. Buyers can choose from a single loan up to $1,500,000 or a 1st and 2nd mortgage (80/15/5) combo up to $2.0m. Both Jumbo options have NO monthly mortgage insurance (PMI)
- 90% Loan to value: Up to $3,000,000 with 720+ FICO score
- 85% Loan to value: Up to $3,500,000 with 720+ FICO score
Seattle Jumbo Home Buyer Requirements:
- For Income: buyers must document with W2 and pay stubs. Self-employed (1099) borrowers will need to provide two years of tax returns.
- Bank Saving and assets: must be well documented (only what’s needed to close) Two months of savings, retirement accounts, etc.
- Reserves: buyers should plan to have a min of 6 months of reserve savings (after the down payment is made) Some programs with a higher loan amount may require 12 months of reserves.
- Your credit history: Credit scores of 700 or above to be approved
- Single-family homes, townhomes and condos are eligible
- Primary Residence, vacation homes only to 95%. Down payment requirements will increase to 15% when the property is an investor purchase.
Seattle 5% down payment Jumbo loans:
- Fast loan pre-approval process – takes only 15 min. To begin, just call or submit the Request Contact
- Single Family Homes, Town Homes and approved Condo eligible
- Same day loan pre-approvals, with in-house underwriting
- The convenience of one loan for the entire loan amount instead of having multiple mortgages
- Financing available up to $5,000,000
- Fix and adjustable rate mortgage (ARM) options are available
- No monthly private mortgage insurance (PMI) option
- NO origination fee on Jumbo fixed-rate or adjustable-rate mortgage home loans for purchase transactions. No origination fee significantly reduces closing costs and saves you money.
Have questions? Just submit the Request Contact Form on this page. Five Stars serves buyers around the nation 7 days a week. Including Washington State: Seattle, Spokane, Tacoma, Vancouver, Bellevue, Kent, Everett, Renton, Yakima, Spokane Valley, Federal Way, Bellingham, Kennewick, Auburn, Marysville, Pasco
| ADAMS COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| ASOTIN COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| BENTON COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| CHELAN COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| CLALLAM COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| CLARK COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| COLUMBIA COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| COWLITZ COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| DOUGLAS COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| FERRY COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| FRANKLIN COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| GARFIELD COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| GRANT COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| GRAYS HARBOR COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| ISLAND COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| JEFFERSON COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| KING COUNTY | WA | $ 1,063,750 | $ 1,361,800 | $ 1,646,100 | $ 2,045,700 |
| KITSAP COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| KITTITAS COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| KLICKITAT COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| LEWIS COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| LINCOLN COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| MASON COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| OKANOGAN COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| PACIFIC COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| PEND OREILLE COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| PIERCE COUNTY | WA | $ 1,063,750 | $ 1,361,800 | $ 1,646,100 | $ 2,045,700 |
| SAN JUAN COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| SKAGIT COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| SKAMANIA COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| SNOHOMISH COUNTY | WA | $ 1,063,750 | $ 1,361,800 | $ 1,646,100 | $ 2,045,700 |
| SPOKANE COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| STEVENS COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| THURSTON COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| WAHKIAKUM COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| WALLA WALLA COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| WHATCOM COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| WHITMAN COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |
| YAKIMA COUNTY | WA | $ 832,750 | $ 1,066,250 | $ 1,288,800 | $ 1,601,750 |