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.

Washington Short Sale Information:

If you’re a veteran or active duty servicemember and you’re underwater on your mortgage in Washington, call 888-573-4496, or complete the form below. You may be eligible for short sale assistance, which means you’ll pay nothing out-of-pocket, and your credit will be minimally impacted. Other advantages include no impact to your security clearance, and the ability to use your VA home loan benefit for a future home purchase.

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.

Apply For Washington VA Loan Short Sale Assistance:

If you own real estate in the state of Washington and are needing to sell your home due to PCS, BRAC, or for any other reason, call 888-573-4496 (option 2) to speak with a benefits officer. VA Home Loan Centers provides no cost assistance to homeowners who need to sell their home. This service is provided even if the borrower did not use their VA loan to finance the home.

Washington VA Home Loan Limits:

The loan limits below are the maximum 2019, $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 $484,350
  2. Asotin County $484,350
  3. Benton County $484,350
  4. Chelan County $484,350
  5. Clallam County $484,350
  6. Clark County $484,350
  7. Columbia County $484,350
  8. Cowlitz County $484,350
  9. Douglas County $484,350
  10. Ferry County $484,350
  11. Franklin County $484,350
  12. Garfield County $484,350
  13. Grant County $484,350
  14. Grays Harbor County $484,350
  15. Island County $484,350
  16. Jefferson County $484,350
  17. King County $726,525
  18. Kitsap County $484,350
  19. Kittitas County $484,350
  20. Klickitat County $484,350
  21. Lewis County $484,350
  22. Lincoln County $484,350
  23. Mason County $484,350
  24. Okanogan County $484,350
  25. Pacific County $484,350
  26. Pend Oreille County $484,350
  27. Pierce County $726,525
  28. San Juan County $483,000
  29. Skagit County $484,350
  30. Skamania County $484,350
  31. Snohomish County $726,525
  32. Spokane County $484,350
  33. Stevens County $484,350
  34. Thurston County $484,350
  35. Wahkiakum County $484,350
  36. Walla Walla County $484,350
  37. Whatcom County $484,350
  38. Whitman County $484,350
  39. Yakima County $484,350

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

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