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Pricing from Oct 20, 2:23 PM PT 30-yr fixed 7.000% 7.000% APR15-yr fixed 6.375% 6.412% APRFHA 30-yr 6.625% 6.625% APRVA 30-yr 6.750% 6.750% APRJumbo 30-yr 7.000% 7.002% APR

Port Townsend, Jefferson County

Your Port Townsend mortgage broker, priced for Jefferson County.

Jefferson County uses the baseline conforming and FHA limits, which cover most homes in Port Townsend. USDA zero-down is available in many surrounding areas.

Conforming loan limit
$1,209,750
FHA loan limit
$524,225
Typical property tax
0.85% of value
Typical home price
$550,000
Population
10,148

We serve Port Townsend by phone, text and video from our office in Edmonds, in English or Spanish.

Mortgage Lending Group LLC NMLS #1157983Enrique Pelayo Jr., AMP NMLS #131435

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What would you like to do? Real lender pricing, no sign-up, no credit pull.

Local numbers

What a typical Port Townsend purchase costs today

A $550,000 home with 10% down is a $495,000 loan. At today's lowest-cost 30-year fixed, 6.875%, that's about $3,252 a month in principal and interest, before roughly $390 in Jefferson County property tax and your insurance.

  • Conforming pricing applies.The loan is under the $1,209,750 conforming limit, so every agency lender we work with competes for it.
  • FHA fits condos and smaller homes here.The Jefferson County FHA limit is $524,225; above that, conventional with 3 to 5% down or VA with zero down are the usual routes.
  • VA has no loan limit with full entitlement, and zero down. If you've served, tick the VA box on the card and it reprices.
  • First-time buyer assistance. Eligible first-time buyers can get 3.5% toward the down payment and up to 1.5% toward closing costs through us; the pre-approval checks eligibility automatically.
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Common questions

How much is a mortgage payment on a typical Port Townsend home?

On a $550,000 home with 10% down and today's lowest-cost 30-year fixed at 6.875%, principal and interest is about $3,252 a month. Jefferson County property tax adds roughly $390 a month, plus insurance and, under 20% down, mortgage insurance. The card on this page prices your own numbers.

Does FHA work for a Port Townsend purchase?

Only partly. The Jefferson County FHA limit is $524,225, and a typical Port Townsend home with 3.5% down is above it, so most buyers here use conventional (up to $1,209,750) or VA, which has no limit with full entitlement. FHA still fits condos and homes below the limit.

Do you need a jumbo loan in Port Townsend?

Usually not. The 2026 conforming limit is $1,209,750, and a typical Port Townsend purchase lands well under it, so you get agency pricing from every lender we work with.

Is there down payment help for Port Townsend buyers?

Yes. For eligible first-time buyers we can arrange assistance covering the 3.5% down payment plus up to 1.5% toward closing costs, up to 5% of the price. Tell the pre-approval you have under 5% saved and it prices the help on your Port Townsend purchase before anything is promised.

How fast can I get a pre-approval for an offer in Port Townsend?

About ten minutes if you have your income and account balances handy. The pre-approval reissues itself at any amount up to your maximum, so you can tailor it to each offer. If a listing agent wants to speak with the lender, that's a licensed originator, by phone, the same day.

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