USDA Vs. FHA your options comparison in Baker-City, Baker County, OR
In 2025, the USDA loan cap in Baker-City, situated in Baker county, OR, is $285,000, while the FHA cap for a single-family dwelling is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the prevailing USDA versus FHA rates, determining the necessary income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator illustrates USDA, FHA, Conforming, and VA loans side by side, enabling you to choose which program in suits your financial needs best.
2025 Analysis of Loan Limits and Down Payment Requirements in Baker-City, Baker County, OR
Type of Loan
Limit on Loan
Required Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Investigating USDA and FHA Lending Choices in Baker-City, OR
At Lendersa®, our goal is to smoothly facilitate access to the optimal USDA or FHA loan swiftly and without complication. Start with any of the three methods available to connect with corresponding lenders and USDA loan options.
The USDA home loan, endorsed by the U.S. Department of Agriculture, also known as the USDA rural development loan or mortgage, is exclusively for rural areas. Contrary to FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.
GrandSouth Bank is a South Carolina state bank, which was incorporated and commenced operations as a commercial bank in 1998. The Bank operates from its offices in Greenville, Fountain Inn, Greer, Anderson, Columbia, and Orangeburg. Also, the Bank has expanded into the lowcountry area of South Carolina with a new location in Charleston.
Shellpoint Mortgage Servicing manages (or “services”) mortgage loans after mortgage lenders originate them. On behalf of our lender and investor clients, we accept and process mortgage payments from more than 1.7 million homeowners nationwide. In recent years we’ve grown to become America’s 5th-largest non-bank mortgage servicer.
World Finance has been helping people realize their financial goals by offering fixed rate and payment loan solutions. With branches nationwide, we are part of the communities in which we serve. Our branches are staffed with friendly, knowledgeable team members who live and work right in your town.
At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.
Normandy's financial strength along with common sense decision making, allows for a flexible and stream-lined loan process, resulting in quality service and an experience that benefits Normandy's customers.
We offer a full line of Mortgage Loan Products specializing in residential and commercial construction loans. We have funded over $800 Milli
Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
At MidSouth Bank, our roots have long been established in independent, community Banking. Founded in January 1912, during an era when many community leaders across the nation formed Banks to meet the needs of neighborhood families and business owners, we opened our doors with just $18, 000 in assets.
Fort Ligonier FCU was established in 1958 for the benefit of all the employees of Ligonier Valley School District. At that time the employees saw a need for a local credit union where the members could save and borrow money locally. The credit union has assets totaling $3.08 Million and provides banking services to more than 400 members.
Morganton Savings Bank S.S.B. is Burke County’s only local financial institution, serving our neighbors and friends continuously since 1903.In 2001, we completed an adaptive historical renovation of “The Cedars”, the home of Col. Samuel McDowell Tate and relocated our offices in this landmark building. We are located at the intersection of West Uni
