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Washington (state) VA Home Loan Information & Resources

washington state sealWashington, located in the Pacific Northwest, is bordered by British Columbia and the Pacific Ocean.

About 60 percent of the state’s total population lives in and around the Seattle metro area. The city serves as a central location for transportation, industry and business.

The state is known for its beautiful landscape and scenery, including islands, rainforests, mountain ranges and rocky coastline.

Washington is known for its lumber production, as well as its strong manufacturing industry, particularly in the creation of defense, aircraft, missiles and ships.

The veteran population of Washington is 607,500 and major military installations include:

  • Fairchild AFB
  • McCrord AFB
  • Blaine Air Force Station
  • NAS Whidbey Island
  • Naval Hospital Bremerton
  • Naval Base Kitsap
  • Camp Murray
  • Fort Lewis
  • Naval Station Everett

For active-duty servicemembers and veterans who are planning to purchase a home in Washington with a VA-backed home loan, generally a termite inspection isn’t required, but if an appraiser requires a termite inspection, the state requires the Washington State Pest Association form or an addendum NPMA-33 form, identifying rot and conditions conducive to rot.

Apply For A Washington VA Loan:

To find out the exact dollar amount you qualify for, call the VA Home Loan Centers Applications Support Desk at 888-573-4496 (option 1) or fill out the VA Home Loan Application located here.

Washington VA Home Loan Limits:

As of 2020, counties come with $0 down and a $3 million VA loan limit. 

  1. Adams County
  2. Asotin County
  3. Benton County
  4. Chelan County
  5. Clallam County
  6. Clark County
  7. Columbia County
  8. Cowlitz County
  9. Douglas County
  10. Ferry County
  11. Franklin County
  12. Garfield County
  13. Grant County
  14. Grays Harbor County
  15. Island County
  16. Jefferson County
  17. King County
  18. Kitsap County
  19. Kittitas County
  20. Klickitat County
  21. Lewis County
  22. Lincoln County
  23. Mason County
  24. Okanogan County
  25. Pacific County
  26. Pend Oreille County
  27. Pierce County
  28. San Juan County
  29. Skagit County
  30. Skamania County
  31. Snohomish County
  32. Spokane County
  33. Stevens County
  34. Thurston County
  35. Wahkiakum County
  36. Walla Walla County
  37. Whatcom County
  38. Whitman County
  39. Yakima County

Washington VA Loan Appraisal Fees:

Effective December 1, 2019, the fees for VA appraisals in Washington are:

  • Single Family: $800
  • Condominium: $850
  • Manufactured Housing ( including modular): $900
  • 2-4 Unit Multi Family (Duplex, Triplex, Fourplex): $110
  • Appraisal Re-Inspection: $150