In 2026, the FHA loan limits for Philomath county within Benton, OR are set at $560,050 for single-family homes, $716,950 for two-unit properties, $866,650 for three-unit residences, and $1,077,050 for properties with four units.
The maximum allowed for conventional loans is $726,200 for single-family residences, increasing to $929,850 for two-unit homes, $1,123,900 for three-unit dwellings, and up to $1,396,800 for homes with four units.
Our FHA calculator helps you find today’s competitive FHA rates, calculating the needed downpayment, reviewing income standards, credit requirements, reserves, and necessary documentation for loan qualification.
Utilize the Lendersa® calculator to compare FHA rates and terms against all other available loan programs, including conventional, jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses extensive data from thousands of lenders, aligning it swiftly with your unique financial status and needs.
The Loan Limits Comparison Table for 2026 in Philomath county, Benton, OR provides a detailed view of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification criteria like income, reserves, and credit demands, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $560,050 | $716,950 | $866,650 | $1,077,050 |
| 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 | $386,400 | $386,400 | $386,400 | $386,400 |
| 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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