Team Kristen arranges home purchase and refinance loans throughout Adams County, Washington, including Othello, Ritzville and Lind. The 2026 conforming loan limit for a one-unit home in Adams County is $832,750; loans above that are jumbo.
2026 loan limits in Adams County
| Loan type | 1-unit limit |
|---|---|
| Conforming (Fannie Mae / Freddie Mac) | $832,750 |
| FHA | Set by HUD, at least $541,287. Look up Adams County |
| VA (full entitlement) | No VA loan limit |
Source: FHFA and HUD 2026 limits. Updated each January.
Buying and refinancing in Adams County
Rural properties dominate, and many addresses qualify for USDA financing. Well, septic and acreage rules vary by lender.
Programs that fit Adams County buyers
- Conventional (3% down for first-time buyers)
- FHA (3.5% down with a 580+ score)
- VA (0% down for eligible veterans)
- USDA (0% down in eligible areas outside town centers)
- Bank statement loans for self-employed buyers
- DSCR loans for rental properties
- WSHFC down payment assistance
Communities served
Othello, Ritzville, Lind, and every other address in Adams County. County seat: Ritzville.
Common questions
What is the 2026 conforming loan limit in Adams County, WA?
$832,750 for a one-unit home. That's the national baseline; only King, Pierce and Snohomish counties are higher.
Is there a mortgage broker who serves Adams County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in Adams County, including Othello.
Can I get a 0% down loan in Adams County?
VA loans offer 0% down for eligible veterans anywhere in the county. USDA loans offer 0% down at USDA-eligible addresses, which include many areas outside town centers; income limits apply.