Seattle, WA Mortgage Rates
Live Mortgage Rates in Seattle, Washington
6.490%
Seattle Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:01 PM UTC
Sourced live from hundreds of wholesale lenders serving Seattle and Washington
Seattle Benchmark Rates
Lowest available rate with no discount points paid in Seattle, WA for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Seattle, WA | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Seattle, WA | 5.990% | 6.031% |
VA VA Purchase (100% LTV, 680 FICO) · Seattle, WA | 6.125% | 6.155% |
2026 Loan Limits in Washington
Conforming
$832,750 baseline
High-cost Washington counties go up to $1,249,125 - Seattle may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Washington counties allow more, up to $1,249,125 - check your specific county.
About Seattle Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Seattle, Washington homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Washington and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Seattle property.
Your specific Seattle rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Washington lender network, use the Rate Direct pricer.
Seattle buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Washington, see the Washington DPA guide.
Get your personalized Seattle mortgage rate
The rates above are the market benchmark for Seattle. Your actual rate depends on your scenario.