Washington County Mortgage Hub: Hillsboro and Beaverton Silicon Forest RSUs and Transfer Tax — Basalt & Byline
Updated October 2026
A Silicon Forest compensation package can support a Beaverton or Hillsboro purchase without every dollar counting toward mortgage qualification. Base salary, bonuses and restricted stock units receive different treatment. Start with the income a lender can document, then build a separate household budget around the compensation you actually expect to retain.
Turn RSUs into a documented income story
An unvested award is not the same as cash available for closing. Lenders evaluate vesting history, continuity, employer documentation and their own stock-compensation rules. A rising share price does not guarantee that today's account value will become qualifying income.
Prepare a package that includes:
- Recent pay statements and the requested W-2 history.
- Award agreements, vesting schedules and brokerage statements.
- Documentation of vested-share sales funding the down payment.
- An explanation of employment changes or unusual bonus payments.
Keep earnest money and closing funds accessible rather than relying on a vesting date immediately before settlement. Compare a salary-only budget with the broader approved budget using the monthly payment calculator. The Consumer Financial Protection Bureau provides useful guidance on comparing Loan Estimates and cash to close.
Washington County's transfer tax belongs in the estimate
Washington County has Oregon's only state-grandfathered real estate transfer tax: $1 per $1,000 of taxable consideration. A taxable $700,000 transaction produces a $700 transfer tax before any applicable exemption. Confirm responsibility for payment in the contract and settlement estimate rather than assuming it is included in lender fees.
Tualatin crosses county boundaries, so a mailing address alone is insufficient. Confirm the parcel's county, particularly when comparing homes near jurisdictional lines. Enter the transaction-specific costs in our closing cost estimator.
Match loan size to the property, not the employer
Oregon's 2026 baseline conforming limit is $832,750 for a one-unit property. That is a loan-amount threshold, not a purchase-price ceiling; verify the applicable category through FHFA Loan Limits.
Property taxes also deserve parcel-level attention. Measure 50 generally limits annual MAV growth to 3%, but exception value from qualifying improvements can change the calculation. A recently expanded Tigard home may therefore have a different assessment trajectory than an otherwise similar house.
Basalt & Byline compares fixed-rate and adjustable-rate structures against employment concentration, cash reserves and the expected ownership period—not simply the highest payment an approval permits.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
Loan Program Comparison: 2026 Benchmarks
Washington County Mortgage Hub: Hillsboro and Beaverton Silicon Forest RSUs and Transfer Tax — Choose a mortgage by comparing eligibility, upfront cash and total monthly costs, not the advertised rate alone. Conventional, FHA, VA and USDA serve different borrowers. Confirm county limits, taxes, insurance and lender requirements before comparing personalized Loan Estimates for your household.
Historical 2025 one-unit comparison: conforming $832,750; FHA floor $541,287. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
- Oregon Housing and Community Services — state housing finance and property tax authority.
- Oregon Department of Revenue — state housing finance and property tax authority.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.