Explore the differences! FHA VS Conventional loan programs in Waldport, Lincoln County, Oregon

For the year 2026, the conventional loan limit in Waldport, located in Lincoln county, OR, is $726,200, with the FHA limit for a single-family home being $472,030.

Utilize Lendersa®'s Conventional loan calculator to evaluate today’s best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator lets you compare side by side—Conforming Conventional, USDA, FHA, and VA loans—helping you select the right program in OR for your finances.

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Loan limits and down payment requirements for 2026 in Waldport, Lincoln county, OR

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The information in the comparison table is applicable to zip codes: 97394

Loan options for Conventional and FHA in Waldport, OR

Lendersa® is dedicated to obtaining the most suitable Conventional, USDA, or FHA loan quickly and easily. Choose one of three initial paths that lead to appropriate lender matches and loan selections.

Lendersa USDA loan request insights


Waldport Lenders

  • Oregon Coast Bank
  • 909 SE Bay Boulevard, Newport, OR, 97365
  • Lends in Oregon
  • In 2001, a group of local business owners realized that the unique needs of companies on the Oregon Coast—the fisheries, logging outfits, motels, restaurants, and shops that have always been the backbone of our communities—just weren’t being served well by the big banks. So they decided to build a bank dedicated to supporting the people

  • 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

  • Oregon State Credit Union
  • 4800 SW Research Way, Corvallis, OR, 97333
  • Lends in Oregon
  • Oregon State Credit Union, a state-chartered credit union. Since 1954 the credit union has been a member-owned, not-for-profit financial services institution. Earnings are returned to members in the form of competitive financial offerings, more service and convenience. We exist for the benefit of our member-owners, and not to profit from them.

  • Capital Mortgage Source
  • 301 Southwest 4th Street, Suite 160, Corvallis, OR, 97333
  • 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.

  • Benton County Schools Credit Union
  • 2101 NW Professional Drive, Corvallis, OR, 97330
  • Lends in Oregon
  • Benton County Schools Credit Union is an educational employee credit union for the school districts in Benton County, Oregon. BCSCU began operation in 1953 and is still going strong today. Our mission statement is “To provide superior services and quality products in a very personal environment

  • Willamette Community Bank
  • 333 Lyon Street SE, Albany, OR, 97321
  • Lends in Oregon
  • People's Bank was founded in 1998 with the belief that as a locally owned and managed community bank, we could do a better job delivering customized, high quality banking services and products to the Rogue Valley. Our experienced bankers know our community and its people and businesses. Policies and decisions are made locally and in a thoughtful an

  • Expert Mortgage Group
  • 420 1st Ave East, Suite B, Albany, OR, 97321
  • Lends in Oregon
  • Expert Mortgage Group has been offering private mortgages and alternative real estate funding in Oregon since 2008, with more than 600+ privately financed mortgage transactions of all types. Over that time we have seen just about everything there is to see in real estate projects and private lending and we’d love to work with you!

  • Platinum Mortgage Group
  • 220 6th Avenue SW, Albany, OR, 97321
  • Lends in Oregon
  • Platinum Mortgage Group is a division of Finance of America Mortgage LLC |Equal Housing Opportunity | NMLS ID #1071 (www.nmlsconsumeraccess.org)| 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5691 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act Questions, comments, concerns.

  • Central Willamette Credit Union
  • 7101 Supra Drive SW, Albany, OR, 97321
  • Lends in Oregon
  • Central Willamette Credit Union story begins on October 5, 1955, at a mass meeting held under the sponsorship of Local 1141 when initial steps were taken to form a credit union for government employees in Linn County. Employees from the U.S. Bureau of Mines and the Albany and Lebanon.

  • OMT Mortgage
  • 2645 Suzanne Way, Suite 2d, Eugene, OR, 97408
  • Lends in Oregon
  • OMT Mortgage offers service that is unmatched for all of our clients. Your complete satisfaction of our service and representation is our primary goal. There are many options and nuances of a mortgage transaction, and only an experienced and honest loan officer can help provide you with your best loan option or options.