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Home prices have increased slightly in King County, prompting federal housing officials to decide to increase conforming loan limits in the county for 2025. This article will address what these numbers are and how that will impact you as a homebuyer.
By definition, a jumbo loan is one that exceeds the maximum size limits for purchase by Freddie Mac and Fannie Mae.
Each year, these two government-sponsored enterprises (and their regulator, the Federal Housing Finance Agency) establish a maximum amount for the loans they can buy from mortgage lenders.
The conforming loan limits for 2025 in King County increased to $1,037,300. The baseline for the state of Washington is $806,500.
When a mortgage loan exceeds these conforming limits, it is referred to as a jumbo loan. Generally speaking, the qualification criteria for jumbo mortgage products can be a bit more strict, when compared to their smaller / conforming counterparts.
So, what’s considered a jumbo loan in King County, Washington, in 2025? As already mentioned, in 2025, the conforming loan limit will be $1,037,300 for a single-family property. So, anything above that would be considered jumbo.
To be clear, it’s possible to borrow more than this amount. But a higher down payment might be required, due to the larger size of the loan. Please contact us if you have questions about applying for a jumbo loan in King County, Washington.
The loan limits for King County are the same as Pierce and Snohomish Counties, as noted in the table below.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| KING | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
| PIERCE | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
| SNOHOMISH | $1,037,300 | $1,327,950 | $1,605,200 | $1,994,850 |
Home prices across the county – and within the Seattle metropolitan area, in particular – have increased over the last few years, though they slowed down in the middle of 2018. Over the last 12 months, home prices in King County have increased a little. Now, they’re hovering around $845,269 compared to the state average of $588,856.
You’ll recall that the 2025 conforming loan limit for conventional (non-government-backed) mortgage loans in King County is $1,037,300 for a single-family home. The median, or midpoint, for home prices in the county is below that level. So, buyers have some wiggle room when it comes to taking out a mortgage that falls within conforming loan sizes.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
As a result of these trends, the jumbo loan threshold in King County will go up in 2025. Federal housing regulators review FHA and conventional / conforming limits every year to make sure they are keeping pace with home values. When prices rise considerably during the year, the limits are often increased as well.
Here is a full list of loan limits for the state of Washington.
At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region that includes Washington, Oregon, Colorado, and Idaho. Please contact us today with any financing-related questions you have.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.