FHA VS Conventional loan in Lake-Oswego, Clackamas County, Oregon

In 2026, the conventional loan limit for Lake-Oswego, in Clackamas county, OR, is $647,200, whereas the FHA limit is $598,000 for a single-family home.

Employ the Lendersa® Conventional loan calculator to review and compare the best current rates for Conventional, FHA, and USDA loans. Assess the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can align Conforming Conventional loans, USDA, FHA, and VA side by side, ensuring you select the optimal program in OR for your financial needs.

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2026 Loan Limits and Down Payments in Lake-Oswego, Clackamas, OR

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $414,000 0%
FHA $598,000 3.5%

This table is relevant to the zip codes: 97034

Explore Conventional and FHA Loan Alternatives in Lake-Oswego, OR

Lendersa® is dedicated to providing the best possible Conventional, USDA, or FHA loan quickly and efficiently. Opt for any of the three starting options to connect with matching lenders and loan programs.

Overview of loan requests and matches with Lendersa USDA


Lake-Oswego Lenders

  • Avelloe Mortgage Corporation
  • 415 State Street, Suite 190, Lake Oswego, OR, 97034
  • Lends in Oregon
  • Avelloe was founded by David Feathers, a mortgage professional since 1988, on the principals of effective communication, education, and a “do the right thing no matter the cost” attitude. As a truly independent Mortgage Broker, Avelloe has access to multiple funding sources, not just one underwriting platform.

  • Newland Mortgage
  • 4000 Kruse Way Pl, Bldg 3, Suite 120, Lake Oswego, OR, 97034
  • Lends in Oregon
  • Newland Mortgage was founded on principles of education, information and transparency. As a full service Independent Mortgage Broker we have the ability to shop the best wholesale lenders in the country to find the most competitive rates and options. Our goal is to be the premier mortgage broker in the Portland market.

  • Merchants Mortgage
  • 5200 SW Meadows Road, Ste 150, Lake Oswego, OR, 97035
  • Lends in Oregon
  • MMTC offers quick closings (3-5 days in many cases), practical underwriting for investors, and lends on a variety of property types and conditions. We can close in entities or an individual’s name, and advance repair draws rather than reimbursing clients. Up to 90% of purchase price plus 90% of repairs. We also offer other creative products not co

  • Clunas Funding Group
  • 5335 Meadows Rd, Suite 380, Lake Oswego, OR, 97035
  • Lends in Oregon
  • Clunas Funding Group Inc. is a licensed mortgage broker in Lake Oswego, Oregon specializing in hard money loans. We provide quick access to capital for borrowers, real estate agents and mortgage brokers in Oregon, Washington and California. CFG is a collateral-based lender focusing on bridge loans, fix and flip or rehab loans and commercial loans.

  • Select Lending Services
  • 15400 Boones Ferry Road, Lake Oswego, OR, 97035
  • Lends in Oregon
  • Select Lending Services mortgage you use to finance your home influences how much you need for the down payment, whether or not you will need mortgage insurance, and how long it will take you to pay off your loan and the best way to find out what mortgage is best for your home purchase is to get preapproved with a Select Lending Services.

  • Oswego Mortgage
  • 16552 Boones Ferry Rd, Suite 3, Lake Oswego, OR, 97035
  • Lends in Oregon
  • Oswego Mortgage is not your average mortgage company. When you come in our office you will not find fancy suites and shinny cufflinks, rather you will be greeted by our enthusiastic team members that will soon become your friends. Our experienced professional team is made up Oregonians just like you.

  • Norris, Beggs & Simpson Financial Services
  • 4949 Meadows, Suite 490, Lake Oswego, OR, 97035
  • Lends in Oregon
  • Norris, Beggs & Simpson Financial Services is a leader in mortgage servicing. Our team manages a loan portfolio backed by office, retail, industrial, multifamily and hotel properties. NBS loan servicers act as an interface between borrowers and lenders to keep loans on track for performance.

  • IGR Mortgage Services
  • 52 Galen St, Lake Oswego, OR, 97035
  • Lends in Oregon
  • IGR Mortgage Services is one of the most experienced providers of hard money loans on the West Coast. Our hard money lending services have helped real estate investors, builders, business owners and all types of property owners for over 30 years. Many of our loan programs are now offered in states across the country.

  • VergePointe Mortgage LLC
  • 5285 Meadows Rd, Suite 161, Lake Oswego, OR, 97035
  • Lends in Oregon
  • VergePointe is built around the concept that in addition to being professionals, we have also successfully invested in businesses and real estate ourselves. With that background, along with our professional certifications and experience, we work as hard as possible to help our clients achieve their goals.

  • Mortgage Martial
  • 15875 Boones Ferry Road, Lake Oswego, OR, 97035
  • Lends in Oregon
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.