USDA and FHA Pro and Con in Albany, Linn County, OR

In 2026, the USDA loan limit for the city of Albany in Linn county, OR, is $336,500. Meanwhile, for single-family homes, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's most competitive USDA and FHA rates. It also helps determine the crucial income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting in making the best decision for your specific financial needs in .

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2026 Loan Limits and Downpayment Requirements in Albany, Linn County, OR

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

Options for USDA and FHA Loans in Albany, OR

Lendersa® aims to swiftly connect you with the best USDA or FHA loan without any hassle. Choose one of these three starting points to find matching lenders and explore USDA loan programs.

  1. Begin your USDA/FHA loan request for optimization
  2. Discover USDA and FHA rates & terms initially
  3. Search through the largest database of USDA loans lenders
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Explaining the USDA Loan in OR

The USDA home loan, also called a USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture and is exclusively available in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, these USDA loans require no down payment at all.

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