For the year 2026, the FHA loan limits in Madras county, which is within Jefferson, OR, are set as follows: a single-family home has a maximum of $472,030, while for two-unit properties it is $604,400, for three-unit properties it is $730,525, and for four-unit homes, the limit extends to $907,900.
Regarding conventional loans, the highest borrowing amount for single-family houses is $726,200. For two-unit dwellings, the amount is $929,850, whereas for three units, it climbs to $1,123,900, and for four-unit homes, the highest amount is $1,396,800.
Our FHA calculator is available to check today's leading FHA rates; it also assists in calculating the necessary downpayment, assessing income, evaluating credit scores, reserves, and documentation required for qualification.
The Lendersa® calculator provides a platform to assess and compare the rates and terms of FHA loans against other loan products such as conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans.
By leveraging comprehensive data from over a thousand lenders, Lendersa® instantly analyzes it to align with your unique financial circumstances and requirements, offering personalized loan comparisons.
The Loan Limits Comparison Table for 2026 of Madras county, within Jefferson, OR, lets you review maximum loan amounts across various categories, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed examination of qualification requirements like income, credit, and reserves, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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