FHA VS Conventional loan in Coos-Bay, Coos County, Oregon

In 2026, the loan limit for Conventional loans in Coos-Bay, Coos, OR is $647,200, while the FHA limit for a single-family house is $420,680.

Explore the Lendersa® Conventional loan calculator to evaluate today's rates for Conventional, FHA, and USDA loans. Determine your eligibility regarding income, credit, reserves, and documents required. Our advanced mortgage calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the ideal program for your specific financial situation in OR.

Check loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2026 in Coos-Bay, Coos, OR

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

Applicable for these zip codes: 97459

Conventional and FHA Loan Options in Coos-Bay, OR

At Lendersa®, our aim is to promptly secure you the best Conventional, USDA, or FHA loan without any hassle. Choose from three pathways to get matched with suitable lenders and loan programs.

Overview of USDA loan requests and results from Lendersa


Coos-Bay Lenders

  • American Home Lending
  • 1600 NW Garden Valley Blvd, Suite 100, Roseburg, OR, 97471
  • Lends in Oregon
  • American Home Lending, LLC is a full service mortgage company located in Roseburg, Oregon in the heart of scenic Douglas County. Our knowledgeable staff is committed to providing you the best customer service by offering you low, competitive rates with the highest quality services possible.

  • Cascade Community Credit Union
  • 1123 W Harvard Ave, Roseburg, OR, 97471
  • Lends in Oregon
  • Cascade Community Credit Union we are committed to helping our members in Douglas County meet their financial goals. If a personal loan makes sense for you, our online application form makes it easy to start the loan process is proud to support its community and residents since 1948 through quality financial products and services.

  • Elemental Home Mortgage, LLC
  • 1612-2 NE Vine Street, Roseburg, OR, 97470
  • Lends in Oregon
  • Elemental Home Mortgage was founded on the principal that every person should have an opportunity to know if they are ready for a mortgage. To have an opportunity to know what their options are. We feel strongly that each person should have the chance to have an informative, tailored conversation about their housing goals

  • Award Home Loans of Roseburg
  • 1043 NE Stephens St, Suite 101, Roseburg, OR, 97470
  • Lends in Oregon
  • Award Home Loans of Roseburg we are committed to assisting our clients with the highest quality home loans. We listen to you fitting the mortgage to your personal financial goals. We are located in Roseburg and are available to serve anyone throughout the state of Oregon, but specializing in Douglas County and the I-5 corridor.

  • Oregon Pacific Bank
  • 1365 Hwy 101, Florence, OR, 97439
  • Lends in Oregon
  • Established on December 17, 1979 and headquartered in Florence, Oregon, we are proud to have full service branches in Coos Bay, Eugene, Florence, Medford, and Roseburg. Staffed by local decision makers, we specialize in offering holistic financial services to our local families and business owners.

    We are committed to aiding the growth

  • Patriot Mortgage Corporation
  • 640 N 9th St, Cottage Grove, OR, 97424
  • Lends in Oregon
  • Patriot Mortgage Corp. has been serving Oregon Residents for more than a decade. Throughout our company's distinguished history, we have managed to keep our customers coming back year after year. Why is this? Well, it's simple. We give our clients what they need. Not too many mortgage brokers can say that.

  • Western Mortgage Brokers, Inc.
  • 2440 Willamette Street, Suite 201, Eugene, OR, 97405
  • Lends in Oregon
  • We’re proud to be a broker, not a bank. It means we do the shopping and you get the best interest rate and advice; we are experts in what we do because all we do is mortgage financing. We are locally owned and operated. We live here, we work here, we play here. We’re your friends and neighbors, people who will put your interests first.

  • Rogue Valley Mortgage LLC
  • 222 NE B Street, Grants Pass, OR, 97526
  • Lends in Oregon
  • We take the time to interview each client and listen to their individual circumstances. We invite them to tell us "their story". Through our years of experience, we have creative ideas and methods to lend money when conventional lenders can't help. We can arrange a loan term that matches your unique situation.

  • Investment Resources Inc
  • 1454 North West 6th Street, Grants Pass, OR, 97526
  • Lends in Oregon
  • Owner/Broker Bruno Skopinich employed as loan consultant with Investment Resources Inc. We are located in Southern Oregon. Investment Resources Inc. is multi-dimensional company offering investment, insurance, tax service and mortgage loans. Bruno have been active in the mortgage industry for over 25 years with a stellar reputation.