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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:

The loan limits below are the maximum 2021, $0 down VA loan amount set for each county. Although there is no maximum loan amount, the maximum no money down VA home loan limits are stated as follows.

  1. Adams County: $548,250
  2. Asotin County: $548,250
  3. Benton County: $548,250
  4. Chelan County: $548,250
  5. Clallam County: $548,250
  6. Clark County: $548,250
  7. Columbia County: $548,250
  8. Cowlitz County: $548,250
  9. Douglas County: $548,250
  10. Ferry County: $548,250
  11. Franklin County: $548,250
  12. Garfield County: $548,250
  13. Grant County: $548,250
  14. Grays Harbor County: $548,250
  15. Island County: $548,250
  16. Jefferson County: $548,250
  17. King County $776,250
  18. Kitsap County: $548,250
  19. Kittitas County: $548,250
  20. Klickitat County: $548,250
  21. Lewis County: $548,250
  22. Lincoln County: $548,250
  23. Mason County: $548,250
  24. Okanogan County: $548,250
  25. Pacific County: $548,250
  26. Pend Oreille County: $548,250
  27. Pierce County $776,250
  28. San Juan County: $548,250
  29. Skagit County: $548,250
  30. Skamania County: $548,250
  31. Snohomish County: $776,250
  32. Spokane County: $548,250
  33. Stevens County: $548,250
  34. Thurston County: $548,250
  35. Wahkiakum County: $548,250
  36. Walla Walla County: $548,250
  37. Whatcom County: $548,250
  38. Whitman County: $548,250
  39. Yakima County: $548,250

Maximum Washington VA Loan Appraisal Fees:

  • Single Family Residence: $800
  • Condominium: $850
  • Residential Duplex: $925
  • Residential Triplex: $1,100
  • Residential Fourplex: $1,200
  • Manufactured Home: $900
  • Repair Inspection $150
  • Appraiser Timelines: 10 Days