Washington, DC · 2026

2026 loan limits in Washington, DC

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$1,249,125FHA and conforming, 1 unit

The most you can borrow with an FHA or conforming loan here.

Under the limit by: $249,125

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Sources: FHFA and HUD 2026 loan limit files. Restrictions apply.

Lender fees you won’t pay

$3,180

typical lender and title fees, paid or waived by CapCenter

Origination fee~~$1,300~~ZERO
Appraisal~~$500~~ZERO
Settlement, title services & lender’s title~~$1,220~~ZERO
Credit, data & flood~~$160~~ZERO

Example Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.

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Chris C.Refinanced · Richmond, VA · Google review, excerpt

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2026 limits by units

The 2026 conforming loan limit in Washington, DC is $1,249,125 for a one-unit home, and the 2026 FHA loan limit is also $1,249,125.

Units	Conforming	FHA
1 unit	$1,249,125	$1,249,125
2 units	$1,599,375	$1,599,375
3 units	$1,933,200	$1,933,200
4 units	$2,402,625	$2,402,625

Sources: FHFA 2026 conforming loan limits, HUD 2026 FHA mortgage limits.

How Washington, DC compares

The highest limit in the 12 states we lend in.

1-unit limit	Conforming	FHA
Washington, DC	$1,249,125	$1,249,125

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Need more than the limit?: We offer Jumbo loans
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Questions

What is the FHA loan limit in Washington, DC?

$1,249,125 for one unit in 2026. Up to $2,402,625 for four units.

What is the 2026 conforming limit?

$1,249,125 for one unit, the same as FHA here.

What if I need to borrow more?

That is a jumbo loan. We offer Jumbo loans.

Nearby

All loan limits Washington, DC rates

Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender. Rates are estimates and subject to change without notice.