Avg Home Value
$620,000
Lending Limit
$1,209,750
Washington Housing Market Analysis
Washington is considered a high-value market. With average home values exceeding $620,000, many homeowners here find that standard HECM loans cap their proceeds unfairly. If your home is worth over $1.2M, you are likely a candidate for a Jumbo Reverse Mortgage, which allows for loan amounts up to $4 million.
Loan Limits in Washington
For 2026, the federal lending limit is $1,209,750.
Since the median home value in Washington is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for Washington
Washington generally follows standard federal HUD guidelines for reverse mortgages. This includes the requirement for independent counseling and the right to a 3-day rescission period after closing.
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