FHA VS Conventional loan programs in 2026 for Bend, Deschutes County, Oregon

As of 2026, the loan limit for a Conventional loan in Bend, located in Deschutes county, OR, stands at $726,200. For a single-family home, the FHA limit is $690,000.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA options. Determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator showcases Conforming Conventional loans, USDA, FHA, and VA side by side, assisting in choosing the best program in OR based on your unique financial situation.

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Loan Limits and Down Payment Requirements for 2026 in Bend, Deschutes County, OR

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $455,400 0%
FHA $690,000 3.5%

This comparison table applies to zip codes: 97702

Explore Conventional and FHA Loan Options in Bend, OR

The aim of Lendersa® is to provide you with the best possible Conventional, USDA, or FHA loan quickly and effortlessly. Choose from three starting points to connect with suitable lenders and loan programs.

Review of Lendersa USDA loan requests and matches


Bend Lenders

  • Trueline Capital
  • 547 SW 13TH St, Suite 201, Bend, OR, 97702
  • Lends in Oregon
  • Trueline Capital, LLC is located in Bend, OR, United States and is part of the Other Financial Investment Activities Industry. Trueline Capital, LLC has 9 total employees across all of its locations and generates $502, 918 in sales (USD). (Employees and Sales figures are modelled).

  • Mountain Mortgage
  • 19405 SW Kemple Drive, Bend, OR, 97702
  • Lends in Oregon
  • Mountain mortgage With all that Central Oregon has to offer it is a refreshing change to work with a Mortgage Broker who ALWAYS answers the phone even when that phone happens to be DEEP in the Mountains. Call me with questions about home loans and current mortgage rates anytime..

  • Oracle Funding Corp
  • 19403 Charleswood Lane, Bend, OR, 97702
  • Lends in Oregon
  • At Oracle Funding Corp, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Black Diamond Financial LLC
  • 213 SW Columbia Street, Suite 3, Bend, OR, 97702
  • Lends in Oregon
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line

  • All Seasons Mortgage
  • 15 SW Colorado Ave, Bend, OR, 97702
  • Lends in Oregon
  • This family owned & operated local business has over 30 years helping families in central Oregon find the best available loan products. John is both the owner of All Seasons Mortgage and a Loan Originator. John purchased All Seasons Mortgage from a local family in 1990. His mission has always been to provide stellar service to his clients.

  • Mid Oregon Lending
  • 360 SW Bond St, Suite 410, Bend, OR, 97702
  • Lends in Oregon
  • Mid Oregon Lending represents dozens of wholesale lenders that are typically unheard of by the general public. These lenders work almost exclusively through independent brokers. We shop multiple sources for the best possible combination of interest rates, fees, underwriting leniencies

  • Cascade Mortgage Co
  • 19717 Mount Bachelor Dr, Suite 258, Bend, OR, 97702
  • Lends in Oregon
  • Cascade Mortgage company, where we specialize in residential mortgages. At Cascade Mortgage company, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • Mid Oregon Credit Union-Home Loans
  • PO Box 6749, Bend, OR, 97708
  • Lends in Oregon
  • Mid Oregon Credit Union traces its roots back to 1957 as the first credit union established in Central Oregon by a group of teachers and school employees in Prineville. Today, Mid Oregon Credit Union is the only Credit Union headquartered and doing business solely in Central Oregon.

  • Arbor Mortgage Group
  • 209 NE Greenwood Avenue, Suite 100, Bend, OR, 97701
  • Lends in Oregon
  • Arbor Mortgage Group, we are extremely passionate about what we do and where we live, which naturally makes us want to serve our community the best we can. For every client we have the opportunity to work with, we strive to provide an unparalleled personal, positive and professional experience.

  • Northwestern Home Loans
  • 906 NW Harriman Street, Bend, OR, 97703
  • Lends in Oregon
  • We strive to provide you with a professional and personable team that is committed to helping you obtain home financing that fits your needs. Exceeding your expectations through our array of lending options, competitive rates and outstanding customer service is our number one goal.