For the year 2026, FHA loan restrictions in Lane County, located in OR and including Cottage-Grove, are as follows: $356,362 for a single-family house, $456,275 for 2-unit properties, $551,500 for 3-unit buildings, and $685,400 for 4-unit residences.
The highest loan sum allowable for conventional loans on a single-family home is $548,250. This increases to $702,000 for 2-unit homes, $848,500 for those with 3-units, and $1,054,500 for 4-units.
Take advantage of our FHA calculator to access current FHA rate deals. It helps you figure out the required down payment, income, credit, reserves, and necessary documents to qualify.
The Lendersa® calculator is designed for easy comparison of FHA rates and conditions with those of other loan programs. Discover and weigh options such as Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans along with FHA.
Lendersa® collects loan program data from a vast number of lenders and instantly aligns this against your individual financial profile and requirements.
For 2026 in Cottage-Grove within the county of Lane, OR, the Loan Limits Comparison Table provides a comparison of maximum loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine the necessary qualifications like income, reserves, and credit details, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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