Mortgage lender in Washington County, PA

Buying in Washington County

Washington County, with its county seat in Washington, takes in Washington, Canonsburg, Peters Township, McMurray and Monongahela. Stellar lends across all of Pennsylvania, and Washington County files are handled from our Southampton, PA office by a licensed officer you can reach directly.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

title company

State housing agency

PHFA (participating lender)

Your office

Southampton, PA

2026 limits for a one-unit property. Washington County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Washington County. Loans above it are jumbo, which means tighter reserves and different pricing.

Washington County: Pittsburgh’s southern growth corridor

Washington County lies southwest of Pittsburgh along Interstate 79. Peters Township, Cecil Township, North Strabane and Canonsburg, at the northern end, are the growth areas; the City of Washington is the county seat; and Monongahela, Charleroi and California are the older towns along the Monongahela River.

In the northern townships much of what sells is new construction at higher prices, so we read the builder’s contract and match the rate lock to the completion date. The river towns have older, moderately priced homes where FHA and PHFA assistance are common fits. Two local items show up in many files: oil and gas leases in the title work, which the lender and title company review, and old coal mining, which makes mine subsidence coverage worth asking your insurance agent about.

Washington County by the numbers

Median home value

$228,500 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.09% of home value a year: median tax bill $2,485 on a median value of $228,500 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State realty transfer tax of 1% of the value, plus a local tax that varies by municipality (Pennsylvania Department of Revenue)

Largest communities

Peters Township, North Strabane Township, Cecil Township, Washington (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $228,500. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Pennsylvania

Closings in Pennsylvania are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Pennsylvania page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Washington County buyers ask

Conforming limit shown is the 2026 FHFA figure for Washington County. FHA limits and state agency caps are set by HUD and PHFA and change periodically. Verify on the official source. Not a commitment to lend.