FHA VS Conventional loan in Oregon-City, Clackamas County, Oregon

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

Utilize the Lendersa® Conventional loan calculator to compare the top rates available today for Conventional, FHA, and USDA loans. Determine income, credit criteria, reserves, and necessary documents for qualification. Our advanced mortgage tool lets you view Conforming Conventional loans, USDA, FHA, and VA side by side, helping you select the ideal program for your financial situation in OR.

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2026 Loan Limits and Down Payment Requirements in Oregon-City, Clackamas, OR

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

This table applies to the following zip codes: 97045

Discover Conventional and FHA Loan Options in Oregon-City, OR

Lendersa® aims to swiftly deliver the best Conventional, USDA, or FHA loan options efficiently and without hassle. Choose one of the three starting points to connect with matching lenders and loan programs.

Overview of loan requests and matches with Lendersa USDA


Oregon-City Lenders

  • Clackamas Federal Credit Union
  • 270 Warner Milne Road, Oregon City, OR, 97045
  • Lends in Oregon
  • Clackamas Federal Credit Union has been helping people and businesses like you, improve their lives. We’re a different type of financial institution that’s owned by its members, not corporate shareholders. We’re a not-for-profit dedicated to helping hard working people like you achieve your financial goals, faster.

  • Value Added Mortgage Group LLC
  • 19346 Auburn Drive, Oregon City, OR, 97045
  • Lends in Oregon
  • Value Added Mortgage our clients see a difference. Focused on a Education, Communication and Customer first mentality our team works hard to deliver an exceptional experience in the home loan industry.Our mortgage experience is simple and streamlined with one goal – To Exceed Your Expectations.

  • HILL VALLEY FINANCIAL SERVICES INC
  • 18080 S. Shiloh Lane, Oregon City, OR, 97045
  • Lends in Oregon
  • HVmortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal loan

  • Scouters Mortgage
  • 1913 Main Street, Suite 151, Oregon City, OR, 97045
  • Lends in Oregon
  • "We have helped thousands of families obtain the right mortgage to meet their needs. To help as many families as possible obtain their goal of homeownership and financial prosperity. Honesty, Integrity, Accountability, and Accuracy are the core principals of our business.
    Specializing in Conventional, FHA, USDA, VA, Rehab and Jumbo loans"

  • Northwest Reverse Mortgage
  • 10121 SE Sunnyside Rd, Suite 300, Clackamas, OR, 97015
  • Lends in Oregon
  • We are committed to quality service through educating our clients about their options and providing solid information for you to make the optimal decision for your unique situation. With almost two decades in this industry, Jeff Foody started our mortgage brokerage Northwest Reverse Mortgage in Oregon in 2019.

  • Golden Mortgage LLC
  • 10117 SE Sunnyside Road, Suite 405, Clackamas, OR, 97015
  • Lends in Oregon
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Root Mortgage
  • 10151 SE Sunnyside Rd, Suite 220, Clackamas, OR, 97015
  • Lends in Oregon
  • At Root Mortgage we love working with people. We have an expert team of individuals with the ultimate goal of serving our clients. We will work hard for you, your family, and your situation. That’s why we serve our clients by giving them the same advice we’d give to our family and friends.

  • Approved Mortgage Inc
  • 1800 Blankenship Road, Suite 206, West Linn, OR, 97068
  • Lends in Oregon
  • Approved has partnered with industry leading wholesale mortgage lenders and real estate professionals to offer an exclusive lending and realty experience. Combining Real Estate and Mortgage services to provide you with a streamlined, efficient, customized experience. We have over 40 years of combined experience dealing with Mortgage lending.

  • Oregonians Credit Union
  • 6915 SE Lake Rd, Milwaukie, OR, 97267
  • Lends in Oregon
  • We offer many of the same banking products and services as big banks, like checking and savings accounts, mortgages and car loans; but we offer a better way to bank. If you're not receiving great service from your bank, we hope you'll vote with your feet and bank with us instead.

  • Denali Commercial Mortgage
  • 8754 SE Margie Way, Happy Valley, OR, 97086
  • Lends in Oregon
  • Our goal is to secure the financing you need as simply as possible. Our longstanding partnerships also allow us to navigate the options on behalf of our clients, and then suggest the best loan or lease. Because we know precisely what documentation each lender requires, we can help each client gather exactly the right information.