Mortgage Broker in Washougal, WA.

Roughly $545K to $705K at today's rates, assuming a 20% down payment and no other significant debt. That range uses a $150,000 household income, a 30-year fixed rate near 7.3% (the early October 2026 national average), property taxes of about 0.9% of the home value per year, homeowners insurance of about $100 a month, and a housing payment between 28% and 36% of gross income.

Compare that to Washougal's typical price around ~$640K, and you can see which side of the market that income supports today. A larger down payment, a co-borrower, or a lower rate moves the number quickly, which is why exact math matters.

This is an estimate to help you plan, not a quote. Jeff can run your exact income, debts, and credit through real programs and give you a number you can shop with.

WSHFC Home Advantage offers 3%, 4%, or 5% of the first mortgage as a 0% interest, deferred second loan, with a needs-based option up to $10,000 at 1% for buyers at or below 80% of area median income. Eligible veterans can get $10,000. The program also carries a below-market rate on the first mortgage, and the statewide income limit is $215,000.

The 2026 conforming limit for a one-unit home in Clark County is $832,750, and the 2026 FHA limit is $701,500. Loans above the conforming limit are jumbo and carry different pricing. Both limits are set annually by FHFA and HUD and can change each January.

No. WSHFC Home Advantage does not require first-time buyer status. The statewide income limit of $215,000 is the main gate, along with a credit score around 620 and a maximum 50% debt-to-income ratio.

For conventional loans, a credit score at 620 or above is preferred, but scores under 620 can be approved case by case. FHA allows 580 with 3.5% down, and VA and USDA do not set a minimum of their own. Your rate improves as your score rises, so Jeff reviews your actual credit profile before picking the program.