USDA VS FHA in Aloha, Washington County, OR

For 2026, the USDA loan limit within Aloha, in the county of Washington, OR, is defined as $478,400. Meanwhile, the FHA limit for a single-family home is set at $672,750.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA against FHA rates. Determine the income, credit score, reserves, and necessary documents needed for qualification. Our advanced calculator displays USDA, FHA, Conforming, and VA options side by side, helping you to choose the best fit for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Aloha, County of Washington, OR

Loan Type Loan Limit Down Payment
USDA $478,400 0%
FHA $672,750 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Aloha, OR

The objective of Lendersa® is to swiftly connect you with the best USDA or FHA loan available, without unnecessary complication. Select one of three options to identify lenders and suitable USDA loan programs.

Lendersa USDA loan request and results

Understanding the USDA Loan in OR

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available only in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



Aloha Lenders

  • Options Financial Residential Mortgage NMLS 829593
  • 8625 SW Cascade Ave, Suite 270, Beaverton, OR, 97008
  • Lends in Oregon
  • Our mission is to empower you to make successful mortgage decisions. We’re committed to always thinking long-term. At Options Financial Residential Mortgage, we want to help you purchase your first home… your second home, and your third. We want to show you that a mortgage loan can be more than just a business transaction.

  • The Lindley Team, Mortgage Lenders
  • thelindleyteam1@gmail.com, Portland, OR, 97223
  • Lends in Oregon
  • In a divorce, we are often more focused on curing the problem at hand, i.e., distributing real property and assets, that we forget there is life after divorce. The biggest challenge is the lack of knowledge, understanding, and preparedness of how the various pieces of the divorce puzzle fit together and overlap where the real property is involved.

  • NW Preferred Federal Credit Union
  • 8950 SW Burnham Street, Tigard, OR, 97223
  • Lends in Oregon
  • NW Preferred Federal Credit Union has been open since 1940. It's the 24th largest credit union in Oregon with assets totaling $185.84 Million and providing banking services to more than 9, 000 members.

    The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to those in finance

  • Aspen Capital
  • 13190 SW 68th Parkway, Suite 110, Tigard, OR, 97223
  • Lends in Oregon
  • We believe in capitalizing on market demands and business opportunities by utilizing our Investment & Operations, Software Infrastructure and Analytics teams to excel in a wide range of roles including lending and servicing, acquisitions, joint ventures and management. Aspen Capital is a private equity firm based in Portland, OR and New York, NY.

  • The Tammi Lindley Team
  • 10260 SW Greenburg Rd, Suite 830, Portland, OR, 97223
  • Lends in Oregon
  • This team is amazing! I can’t believe how easy they were to work with and how quickly they addressed my questions and needs if I ever had to reach out to them. We went through the entire process of buying our home with ease thanks to the Lindley team. I really appreciated how honest and upfront they were with me being a first time home buyer.

  • Pro-Active Mortgage
  • 12890 SW Blue Heron Place, Portland, OR, 97223
  • Lends in Oregon
  • We are a very low cost, high service provider of residential mortgages throughout Oregon and our goal is to show you such a great value and easy process that you will become our biggest fans and refer us to your family and friends. Shop, compare and save a lot of money! We can guide you to the right loan amount and best program for you.

  • Mortgage Cafe NW
  • 9295 SW Electric St, Suite B, Tigard, OR, 97223
  • Lends in Oregon
  • Mortgage Cafe NW was established to provide a better and more honest option. We believe you deserve lower mortgage rates, more loan options, lower costs, and someone who truly cares about your experience and success as a homeowner! We specialize in working with First Time Home Buyers and receive tremendous gratification when we assist our clients

  • Mortgage Express, LLC
  • 10260 SW Greenburg Road, Suite 830, Portland, OR, 97223
  • Lends in Oregon
  • Mortgage Express has been an industry leader in residential lending since our doors opened in 1999. From a single office located just outside of Portland, OR, Mortgage Express has grown to 8 offices throughout Oregon and Washington by developing lasting relationships with our valued clients and referral partners.

  • Silverado Funding LLC
  • 10300 SW Greenburg Road - Suite 270, Portland, OR, 97223
  • Lends in Oregon
  • Silverado Funding LLC is a mortgage banker and lender specializing in private money loans to individual borrowers or businesses in need of financing for real estate transactions. Established in 2006, we have provided funding on more than 900 investment transactions. We originate, process, fund, and service all of our loans.

  • Mortgage Express
  • 10260 SW GREENBURG ROAD, SUITE 830, Portland, OR, 97223
  • Lends in Oregon
  • ortgage Express has been an industry leader in residential lending since our doors opened in 1999. From a single office located just outside of Portland, OR, Mortgage Express has grown to 8 offices throughout Oregon and Washington by developing lasting relationships with our valued clients and referral partners.